Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,691Cash toward the purchase price.
Closing costs + prepaids$20,972Not just lender fees.
Before credits & paid funds$63,664The complete starting cash picture.
Estimated remaining funds due at closing
$63,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,691.37
Your down payment$42,691.37
Closing costs + prepaids$20,972.26
Total buyer cash needed$63,663.63
Remaining funds due$63,663.63
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,161.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,231.50
Initial HOA (3 months)$645.00
Prepaid interest, first (31 days)$3,716.24
Fees + prepaids$20,972.26
Your down payment is the seller’s equity. You take over the $632,308 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $63,663.63 is due at closing. Uses and sources reconcile at $695,971.26 each. Not a Closing Disclosure.