Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$850Cash toward the purchase price.
Closing costs + prepaids$19,610Not just lender fees.
Before credits & paid funds$20,460The complete starting cash picture.
Estimated remaining funds due at closing
$20,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$850.00
Your down payment$850.00
Closing costs + prepaids$19,609.66
Total buyer cash needed$20,459.66
Remaining funds due$20,459.66
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,340.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,160.25
Initial HOA (3 months)$95.01
Prepaid interest, first (30 days)$2,855.65
Fees + prepaids$19,609.66
Your down payment is the seller’s equity. You take over the $668,150 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $20,459.66 is due at closing. Uses and sources reconcile at $688,609.66 each. Not a Closing Disclosure.