Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,989Cash toward the purchase price.
Closing costs + prepaids$18,040Not just lender fees.
Before credits & paid funds$51,029The complete starting cash picture.
Estimated remaining funds due at closing
$51,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,988.68
Your down payment$32,988.68
Closing costs + prepaids$18,040.24
Total buyer cash needed$51,028.92
Remaining funds due$51,028.92
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%)$6,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,259.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$822.00
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$1,341.69
Fees + prepaids$18,040.24
Your down payment is the seller’s equity. You take over the $651,911 balance, so the rest of the $684,900 price is paid at closing. A second mortgage can cover part of it. $51,028.92 is due at closing. Uses and sources reconcile at $702,940.24 each. Not a Closing Disclosure.