Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,937Cash toward the purchase price.
Closing costs + prepaids$17,338Not just lender fees.
Before credits & paid funds$52,275The complete starting cash picture.
Estimated remaining funds due at closing
$52,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,937.18
Your down payment$34,937.18
Closing costs + prepaids$17,337.68
Total buyer cash needed$52,274.87
Remaining funds due$52,274.87
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%)$6,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,325.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,035.75
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$253.63
Fees + prepaids$17,337.68
Your down payment is the seller’s equity. You take over the $665,062 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $52,274.87 is due at closing. Uses and sources reconcile at $717,336.68 each. Not a Closing Disclosure.