Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,801Cash toward the purchase price.
Closing costs + prepaids$19,957Not just lender fees.
Before credits & paid funds$48,758The complete starting cash picture.
Estimated remaining funds due at closing
$48,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,800.86
Your down payment$28,800.86
Closing costs + prepaids$19,956.89
Total buyer cash needed$48,757.74
Remaining funds due$48,757.74
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%)$6,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,003.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$820.50
Initial HOA (3 months)$768.00
Prepaid interest, first (31 days)$3,601.89
Fees + prepaids$19,956.89
Your down payment is the seller’s equity. You take over the $600,699 balance, so the rest of the $629,500 price is paid at closing. A second mortgage can cover part of it. $48,757.74 is due at closing. Uses and sources reconcile at $649,456.89 each. Not a Closing Disclosure.