Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,104Cash toward the purchase price.
Closing costs + prepaids$19,240Not just lender fees.
Before credits & paid funds$59,344The complete starting cash picture.
Estimated remaining funds due at closing
$59,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,103.91
Your down payment$40,103.91
Closing costs + prepaids$19,239.89
Total buyer cash needed$59,343.80
Remaining funds due$59,343.80
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,048.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$989.50
Initial HOA (3 months)$147.00
Prepaid interest, first (30 days)$3,087.41
Fees + prepaids$19,239.89
Your down payment is the seller’s equity. You take over the $609,796 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $59,343.80 is due at closing. Uses and sources reconcile at $669,139.89 each. Not a Closing Disclosure.