Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,039Cash toward the purchase price.
Closing costs + prepaids$17,791Not just lender fees.
Before credits & paid funds$49,830The complete starting cash picture.
Estimated remaining funds due at closing
$49,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,038.90
Your down payment$32,038.90
Closing costs + prepaids$17,791.15
Total buyer cash needed$49,830.05
Remaining funds due$49,830.05
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,214.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Initial HOA (3 months)$465.00
Prepaid interest, first (12 days)$1,083.35
Fees + prepaids$17,791.15
Your down payment is the seller’s equity. You take over the $642,961 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $49,830.05 is due at closing. Uses and sources reconcile at $692,791.15 each. Not a Closing Disclosure.