Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$35,640Cash toward the purchase price.
Closing costs + prepaids$17,798Not just lender fees.
Before credits & paid funds$53,439The complete starting cash picture.
Estimated remaining funds due at closing
$53,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,640.47
Your down payment$35,640.47
Closing costs + prepaids$17,798.50
Total buyer cash needed$53,438.97
Remaining funds due$53,438.97
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%)$6,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,996.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$566.75
Initial HOA (3 months)$255.99
Prepaid interest, first (20 days)$2,160.97
Fees + prepaids$17,798.50
Your down payment is the seller’s equity. You take over the $599,359 balance, so the rest of the $634,999 price is paid at closing. A second mortgage can cover part of it. $53,438.97 is due at closing. Uses and sources reconcile at $652,797.50 each. Not a Closing Disclosure.