Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$35,640Cash toward the purchase price.
Closing costs + prepaids$16,805Not just lender fees.
Before credits & paid funds$52,446The complete starting cash picture.
Estimated remaining funds due at closing
$52,446No 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$16,805.21
Total buyer cash needed$52,445.68
Remaining funds due$52,445.68
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)$762.00
Initial HOA (3 months)$255.99
Prepaid interest, first (9 days)$972.44
Fees + prepaids$16,805.21
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. $52,445.68 is due at closing. Uses and sources reconcile at $651,804.21 each. Not a Closing Disclosure.