Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,021Cash toward the purchase price.
Closing costs + prepaids$19,958Not just lender fees.
Before credits & paid funds$54,979The complete starting cash picture.
Estimated remaining funds due at closing
$54,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,021.05
Your down payment$35,021.05
Closing costs + prepaids$19,957.59
Total buyer cash needed$54,978.64
Remaining funds due$54,978.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,348.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,998.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,587.00
Initial HOA (3 months)$870.00
Prepaid interest, first (24 days)$2,685.70
Fees + prepaids$19,957.59
Your down payment is the seller’s equity. You take over the $599,779 balance, so the rest of the $634,800 price is paid at closing. A second mortgage can cover part of it. $54,978.64 is due at closing. Uses and sources reconcile at $654,757.59 each. Not a Closing Disclosure.