Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,097Cash toward the purchase price.
Closing costs + prepaids$19,184Not just lender fees.
Before credits & paid funds$34,280The complete starting cash picture.
Estimated remaining funds due at closing
$34,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,096.66
Your down payment$15,096.66
Closing costs + prepaids$19,183.67
Total buyer cash needed$34,280.33
Remaining funds due$34,280.33
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,099.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$516.00
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$3,421.65
Fees + prepaids$19,183.67
Your down payment is the seller’s equity. You take over the $619,803 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $34,280.33 is due at closing. Uses and sources reconcile at $654,083.67 each. Not a Closing Disclosure.