Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$15,376Cash toward the purchase price.
Closing costs + prepaids$16,992Not just lender fees.
Before credits & paid funds$32,368The complete starting cash picture.
Estimated remaining funds due at closing
$32,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,375.83
Your down payment$15,375.83
Closing costs + prepaids$16,991.91
Total buyer cash needed$32,367.74
Remaining funds due$32,367.74
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,173.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$258.99
Prepaid interest, first (7 days)$811.80
Fees + prepaids$16,991.91
Your down payment is the seller’s equity. You take over the $634,624 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $32,367.74 is due at closing. Uses and sources reconcile at $666,991.91 each. Not a Closing Disclosure.