Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,915Cash toward the purchase price.
Closing costs + prepaids$18,674Not just lender fees.
Before credits & paid funds$54,589The complete starting cash picture.
Estimated remaining funds due at closing
$54,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,914.62
Your down payment$35,914.62
Closing costs + prepaids$18,674.28
Total buyer cash needed$54,588.90
Remaining funds due$54,588.90
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,015.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$330.00
Prepaid interest, first (25 days)$2,870.85
Fees + prepaids$18,674.28
Your down payment is the seller’s equity. You take over the $603,085 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $54,588.90 is due at closing. Uses and sources reconcile at $657,674.28 each. Not a Closing Disclosure.