Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$35,884Cash toward the purchase price.
Closing costs + prepaids$16,658Not just lender fees.
Before credits & paid funds$52,542The complete starting cash picture.
Estimated remaining funds due at closing
$52,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,884.11
Your down payment$35,884.11
Closing costs + prepaids$16,657.78
Total buyer cash needed$52,541.89
Remaining funds due$52,541.89
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,115.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$790.75
Prepaid interest, first (6 days)$693.45
Fees + prepaids$16,657.78
Your down payment is the seller’s equity. You take over the $623,116 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $52,541.89 is due at closing. Uses and sources reconcile at $675,657.78 each. Not a Closing Disclosure.