Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$42,691Cash toward the purchase price.
Closing costs + prepaids$19,654Not just lender fees.
Before credits & paid funds$62,345The complete starting cash picture.
Estimated remaining funds due at closing
$62,345No 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$19,653.60
Total buyer cash needed$62,344.97
Remaining funds due$62,344.97
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%)$6,749.99
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 (20 days)$2,397.57
Fees + prepaids$19,653.60
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. $62,344.97 is due at closing. Uses and sources reconcile at $694,652.60 each. Not a Closing Disclosure.