Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,045Cash toward the purchase price.
Closing costs + prepaids$20,141Not just lender fees.
Before credits & paid funds$40,186The complete starting cash picture.
Estimated remaining funds due at closing
$40,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,044.92
Your down payment$20,044.92
Closing costs + prepaids$20,141.27
Total buyer cash needed$40,186.18
Remaining funds due$40,186.18
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%)$6,839.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,319.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$535.75
Initial HOA (3 months)$132.00
Prepaid interest, first (31 days)$3,845.82
Fees + prepaids$20,141.27
Your down payment is the seller’s equity. You take over the $663,950 balance, so the rest of the $683,995 price is paid at closing. A second mortgage can cover part of it. $40,186.18 is due at closing. Uses and sources reconcile at $704,136.27 each. Not a Closing Disclosure.