Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,081Cash toward the purchase price.
Closing costs + prepaids$18,671Not just lender fees.
Before credits & paid funds$44,751The complete starting cash picture.
Estimated remaining funds due at closing
$44,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,080.59
Your down payment$26,080.59
Closing costs + prepaids$18,670.82
Total buyer cash needed$44,751.41
Remaining funds due$44,751.41
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%)$3,248.60
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 (31 days)$2,345.22
Fees + prepaids$18,670.82
Your down payment is the seller’s equity. You take over the $649,719 balance, so the rest of the $675,800 price is paid at closing. A second mortgage can cover part of it. $44,751.41 is due at closing. Uses and sources reconcile at $694,470.82 each. Not a Closing Disclosure.