Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$17,082Cash toward the purchase price.
Closing costs + prepaids$17,815Not just lender fees.
Before credits & paid funds$34,897The complete starting cash picture.
Estimated remaining funds due at closing
$34,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,082.23
Your down payment$17,082.23
Closing costs + prepaids$17,815.16
Total buyer cash needed$34,897.39
Remaining funds due$34,897.39
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%)$3,293.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$811.00
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$1,214.57
Fees + prepaids$17,815.16
Your down payment is the seller’s equity. You take over the $658,718 balance, so the rest of the $675,800 price is paid at closing. A second mortgage can cover part of it. $34,897.39 is due at closing. Uses and sources reconcile at $693,615.16 each. Not a Closing Disclosure.