Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,226Cash toward the purchase price.
Closing costs + prepaids$18,877Not just lender fees.
Before credits & paid funds$43,103The complete starting cash picture.
Estimated remaining funds due at closing
$43,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,226.10
Your down payment$24,226.10
Closing costs + prepaids$18,876.96
Total buyer cash needed$43,103.06
Remaining funds due$43,103.06
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%)$3,003.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$725.75
Initial HOA (3 months)$360.00
Prepaid interest, first (30 days)$3,070.84
Fees + prepaids$18,876.96
Your down payment is the seller’s equity. You take over the $600,674 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $43,103.06 is due at closing. Uses and sources reconcile at $643,776.96 each. Not a Closing Disclosure.