Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,015Cash toward the purchase price.
Closing costs + prepaids$21,458Not just lender fees.
Before credits & paid funds$51,473The complete starting cash picture.
Estimated remaining funds due at closing
$51,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,015.10
Your down payment$30,015.10
Closing costs + prepaids$21,458.30
Total buyer cash needed$51,473.40
Remaining funds due$51,473.40
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,324.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$399.75
Initial HOA (3 months)$1,509.00
Prepaid interest, first (31 days)$3,806.63
Fees + prepaids$21,458.30
Your down payment is the seller’s equity. You take over the $664,985 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $51,473.40 is due at closing. Uses and sources reconcile at $716,458.30 each. Not a Closing Disclosure.