Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,190Cash toward the purchase price.
Closing costs + prepaids$16,293Not just lender fees.
Before credits & paid funds$18,483The complete starting cash picture.
Estimated remaining funds due at closing
$18,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,189.95
Your down payment$2,189.95
Closing costs + prepaids$16,293.13
Total buyer cash needed$18,483.08
Remaining funds due$18,483.08
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,138.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,131.00
Initial HOA (3 months)$27.51
Prepaid interest, first (2 days)$229.07
Fees + prepaids$16,293.13
Your down payment is the seller’s equity. You take over the $627,710 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $18,483.08 is due at closing. Uses and sources reconcile at $646,193.13 each. Not a Closing Disclosure.