Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,095Cash toward the purchase price.
Closing costs + prepaids$18,790Not just lender fees.
Before credits & paid funds$36,885The complete starting cash picture.
Estimated remaining funds due at closing
$36,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,095.43
Your down payment$18,095.43
Closing costs + prepaids$18,789.68
Total buyer cash needed$36,885.10
Remaining funds due$36,885.10
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,284.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$563.75
Initial HOA (3 months)$120.00
Prepaid interest, first (22 days)$2,604.90
Fees + prepaids$18,789.68
Your down payment is the seller’s equity. You take over the $656,805 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $36,885.10 is due at closing. Uses and sources reconcile at $693,689.68 each. Not a Closing Disclosure.