Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$35,274Cash toward the purchase price.
Closing costs + prepaids$16,407Not just lender fees.
Before credits & paid funds$51,680The complete starting cash picture.
Estimated remaining funds due at closing
$51,680No 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$16,406.61
Total buyer cash needed$51,680.48
Remaining funds due$51,680.48
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)$750.50
Initial HOA (3 months)$525.00
Prepaid interest, first (9 days)$456.98
Fees + prepaids$16,406.61
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. $51,680.48 is due at closing. Uses and sources reconcile at $641,906.61 each. Not a Closing Disclosure.