Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,274Cash toward the purchase price.
Closing costs + prepaids$17,427Not just lender fees.
Before credits & paid funds$52,701The complete starting cash picture.
Estimated remaining funds due at closing
$52,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,273.87
Your down payment$35,273.87
Closing costs + prepaids$17,426.92
Total buyer cash needed$52,700.80
Remaining funds due$52,700.80
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%)$6,255.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,951.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.75
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$1,574.04
Fees + prepaids$17,426.92
Your down payment is the seller’s equity. You take over the $590,226 balance, so the rest of the $625,500 price is paid at closing. A second mortgage can cover part of it. $52,700.80 is due at closing. Uses and sources reconcile at $642,926.92 each. Not a Closing Disclosure.