Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,311Cash toward the purchase price.
Closing costs + prepaids$17,901Not just lender fees.
Before credits & paid funds$47,212The complete starting cash picture.
Estimated remaining funds due at closing
$47,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,311.45
Your down payment$29,311.45
Closing costs + prepaids$17,901.04
Total buyer cash needed$47,212.49
Remaining funds due$47,212.49
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,328.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$399.75
Initial HOA (3 months)$1,509.00
Prepaid interest, first (2 days)$245.85
Fees + prepaids$17,901.04
Your down payment is the seller’s equity. You take over the $665,689 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $47,212.49 is due at closing. Uses and sources reconcile at $712,901.04 each. Not a Closing Disclosure.