Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$19,348Cash toward the purchase price.
Closing costs + prepaids$16,423Not just lender fees.
Before credits & paid funds$35,771The complete starting cash picture.
Estimated remaining funds due at closing
$35,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,347.51
Your down payment$19,347.51
Closing costs + prepaids$16,423.13
Total buyer cash needed$35,770.64
Remaining funds due$35,770.64
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%)$6,839.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,323.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$535.75
Initial HOA (3 months)$132.00
Prepaid interest, first (1 days)$124.19
Fees + prepaids$16,423.13
Your down payment is the seller’s equity. You take over the $664,647 balance, so the rest of the $683,995 price is paid at closing. A second mortgage can cover part of it. $35,770.64 is due at closing. Uses and sources reconcile at $700,418.13 each. Not a Closing Disclosure.