Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$37,339Cash toward the purchase price.
Closing costs + prepaids$17,126Not just lender fees.
Before credits & paid funds$54,465The complete starting cash picture.
Estimated remaining funds due at closing
$54,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,338.84
Your down payment$37,338.84
Closing costs + prepaids$17,126.30
Total buyer cash needed$54,465.14
Remaining funds due$54,465.14
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%)$6,335.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,980.81
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 (19 days)$1,163.74
Fees + prepaids$17,126.30
Your down payment is the seller’s equity. You take over the $596,161 balance, so the rest of the $633,500 price is paid at closing. A second mortgage can cover part of it. $54,465.14 is due at closing. Uses and sources reconcile at $650,626.30 each. Not a Closing Disclosure.