Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$6,276Cash toward the purchase price.
Closing costs + prepaids$16,514Not just lender fees.
Before credits & paid funds$22,790The complete starting cash picture.
Estimated remaining funds due at closing
$22,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,276.41
Your down payment$6,276.41
Closing costs + prepaids$16,513.93
Total buyer cash needed$22,790.33
Remaining funds due$22,790.33
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%)$6,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,208.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$726.75
Initial HOA (3 months)$402.00
Prepaid interest, first (2 days)$228.56
Fees + prepaids$16,513.93
Your down payment is the seller’s equity. You take over the $641,724 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $22,790.33 is due at closing. Uses and sources reconcile at $664,513.93 each. Not a Closing Disclosure.