Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,028Cash toward the purchase price.
Closing costs + prepaids$18,656Not just lender fees.
Before credits & paid funds$74,683The complete starting cash picture.
Estimated remaining funds due at closing
$74,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,027.90
Your down payment$56,027.90
Closing costs + prepaids$18,655.52
Total buyer cash needed$74,683.42
Remaining funds due$74,683.42
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,894.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$901.25
Initial HOA (3 months)$72.00
Prepaid interest, first (30 days)$2,969.41
Fees + prepaids$18,655.52
Your down payment is the seller’s equity. You take over the $578,972 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $74,683.42 is due at closing. Uses and sources reconcile at $653,655.52 each. Not a Closing Disclosure.