Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$2,150Cash toward the purchase price.
Closing costs + prepaids$20,208Not just lender fees.
Before credits & paid funds$22,358The complete starting cash picture.
Estimated remaining funds due at closing
$22,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,149.58
Your down payment$2,149.58
Closing costs + prepaids$20,208.01
Total buyer cash needed$22,357.59
Remaining funds due$22,357.59
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%)$3,334.25
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 (31 days)$3,460.50
Fees + prepaids$20,208.01
Your down payment is the seller’s equity. You take over the $666,850 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $22,357.59 is due at closing. Uses and sources reconcile at $689,208.01 each. Not a Closing Disclosure.