Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$4,737Cash toward the purchase price.
Closing costs + prepaids$18,586Not just lender fees.
Before credits & paid funds$23,323The complete starting cash picture.
Estimated remaining funds due at closing
$23,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,736.62
Your down payment$4,736.62
Closing costs + prepaids$18,585.91
Total buyer cash needed$23,322.52
Remaining funds due$23,322.52
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%)$6,425.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,188.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$953.75
Initial HOA (3 months)$56.25
Prepaid interest, first (26 days)$2,494.09
Fees + prepaids$18,585.91
Your down payment is the seller’s equity. You take over the $637,763 balance, so the rest of the $642,500 price is paid at closing. A second mortgage can cover part of it. $23,322.52 is due at closing. Uses and sources reconcile at $661,085.91 each. Not a Closing Disclosure.