Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$24,954Cash toward the purchase price.
Closing costs + prepaids$17,604Not just lender fees.
Before credits & paid funds$42,557The complete starting cash picture.
Estimated remaining funds due at closing
$42,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,953.72
Your down payment$24,953.72
Closing costs + prepaids$17,603.64
Total buyer cash needed$42,557.36
Remaining funds due$42,557.36
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,200.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$798.00
Initial HOA (3 months)$31.26
Prepaid interest, first (12 days)$1,456.15
Fees + prepaids$17,603.64
Your down payment is the seller’s equity. You take over the $640,046 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $42,557.36 is due at closing. Uses and sources reconcile at $682,603.64 each. Not a Closing Disclosure.