Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$38,716Cash toward the purchase price.
Closing costs + prepaids$17,953Not just lender fees.
Before credits & paid funds$56,669The complete starting cash picture.
Estimated remaining funds due at closing
$56,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,716.09
Your down payment$38,716.09
Closing costs + prepaids$17,953.16
Total buyer cash needed$56,669.26
Remaining funds due$56,669.26
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,931.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$820.25
Initial HOA (3 months)$396.00
Prepaid interest, first (19 days)$2,087.49
Fees + prepaids$17,953.16
Your down payment is the seller’s equity. You take over the $586,284 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $56,669.26 is due at closing. Uses and sources reconcile at $642,953.16 each. Not a Closing Disclosure.