Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,199Cash toward the purchase price.
Closing costs + prepaids$16,612Not just lender fees.
Before credits & paid funds$45,811The complete starting cash picture.
Estimated remaining funds due at closing
$45,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,198.95
Your down payment$29,198.95
Closing costs + prepaids$16,611.63
Total buyer cash needed$45,810.58
Remaining funds due$45,810.58
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,954.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,750.75
Initial HOA (3 months)$77.01
Prepaid interest, first (2 days)$161.86
Fees + prepaids$16,611.63
Your down payment is the seller’s equity. You take over the $590,801 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $45,810.58 is due at closing. Uses and sources reconcile at $636,611.63 each. Not a Closing Disclosure.