Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,860Cash toward the purchase price.
Closing costs + prepaids$19,760Not just lender fees.
Before credits & paid funds$48,620The complete starting cash picture.
Estimated remaining funds due at closing
$48,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,860.13
Your down payment$28,860.13
Closing costs + prepaids$19,760.03
Total buyer cash needed$48,620.16
Remaining funds due$48,620.16
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,980.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,492.75
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$3,390.08
Fees + prepaids$19,760.03
Your down payment is the seller’s equity. You take over the $596,040 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $48,620.16 is due at closing. Uses and sources reconcile at $644,660.03 each. Not a Closing Disclosure.