Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,810Cash toward the purchase price.
Closing costs + prepaids$18,908Not just lender fees.
Before credits & paid funds$53,717The complete starting cash picture.
Estimated remaining funds due at closing
$53,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,809.60
Your down payment$34,809.60
Closing costs + prepaids$18,907.83
Total buyer cash needed$53,717.43
Remaining funds due$53,717.43
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,025.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$857.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$3,007.88
Fees + prepaids$18,907.83
Your down payment is the seller’s equity. You take over the $605,090 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $53,717.43 is due at closing. Uses and sources reconcile at $658,807.83 each. Not a Closing Disclosure.