Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$27,121Cash toward the purchase price.
Closing costs + prepaids$17,861Not just lender fees.
Before credits & paid funds$44,982The complete starting cash picture.
Estimated remaining funds due at closing
$44,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,120.72
Your down payment$27,120.72
Closing costs + prepaids$17,861.12
Total buyer cash needed$44,981.84
Remaining funds due$44,981.84
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%)$6,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,213.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Initial HOA (3 months)$234.99
Prepaid interest, first (12 days)$1,441.23
Fees + prepaids$17,861.12
Your down payment is the seller’s equity. You take over the $642,779 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $44,981.84 is due at closing. Uses and sources reconcile at $687,761.12 each. Not a Closing Disclosure.