Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$17,082Cash toward the purchase price.
Closing costs + prepaids$18,800Not just lender fees.
Before credits & paid funds$35,882The complete starting cash picture.
Estimated remaining funds due at closing
$35,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,082.23
Your down payment$17,082.23
Closing costs + prepaids$18,799.72
Total buyer cash needed$35,881.96
Remaining funds due$35,881.96
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%)$6,758.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,293.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$581.00
Initial HOA (3 months)$270.00
Prepaid interest, first (20 days)$2,429.13
Fees + prepaids$18,799.72
Your down payment is the seller’s equity. You take over the $658,718 balance, so the rest of the $675,800 price is paid at closing. A second mortgage can cover part of it. $35,881.96 is due at closing. Uses and sources reconcile at $694,599.72 each. Not a Closing Disclosure.