Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$25,915Cash toward the purchase price.
Closing costs + prepaids$18,000Not just lender fees.
Before credits & paid funds$43,915The complete starting cash picture.
Estimated remaining funds due at closing
$43,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,914.62
Your down payment$25,914.62
Closing costs + prepaids$18,000.11
Total buyer cash needed$43,914.73
Remaining funds due$43,914.73
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,015.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$330.00
Prepaid interest, first (20 days)$2,296.68
Fees + prepaids$18,000.11
Your down payment is the seller’s equity. You take over the $603,085 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $43,914.73 is due at closing. Uses and sources reconcile at $647,000.11 each. Not a Closing Disclosure.