Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,248Cash toward the purchase price.
Closing costs + prepaids$16,549Not just lender fees.
Before credits & paid funds$48,796The complete starting cash picture.
Estimated remaining funds due at closing
$48,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,247.70
Your down payment$32,247.70
Closing costs + prepaids$16,548.53
Total buyer cash needed$48,796.23
Remaining funds due$48,796.23
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%)$6,530.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,103.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$783.50
Prepaid interest, first (6 days)$663.27
Fees + prepaids$16,548.53
Your down payment is the seller’s equity. You take over the $620,752 balance, so the rest of the $653,000 price is paid at closing. A second mortgage can cover part of it. $48,796.23 is due at closing. Uses and sources reconcile at $669,548.53 each. Not a Closing Disclosure.