Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,013Cash toward the purchase price.
Closing costs + prepaids$20,426Not just lender fees.
Before credits & paid funds$47,439The complete starting cash picture.
Estimated remaining funds due at closing
$47,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,012.50
Your down payment$27,012.50
Closing costs + prepaids$20,426.24
Total buyer cash needed$47,438.74
Remaining funds due$47,438.74
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,014.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,574.75
Initial HOA (3 months)$1,197.00
Prepaid interest, first (26 days)$2,873.05
Fees + prepaids$20,426.24
Your down payment is the seller’s equity. You take over the $602,887 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $47,438.74 is due at closing. Uses and sources reconcile at $650,326.24 each. Not a Closing Disclosure.