Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,248Cash toward the purchase price.
Closing costs + prepaids$17,212Not just lender fees.
Before credits & paid funds$49,459The complete starting cash picture.
Estimated remaining funds due at closing
$49,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,247.70
Your down payment$32,247.70
Closing costs + prepaids$17,211.80
Total buyer cash needed$49,459.50
Remaining funds due$49,459.50
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%)$6,530.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,103.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$783.50
Prepaid interest, first (12 days)$1,326.54
Fees + prepaids$17,211.80
Your down payment is the seller’s equity. You take over the $620,752 balance, so the rest of the $653,000 price is paid at closing. A second mortgage can cover part of it. $49,459.50 is due at closing. Uses and sources reconcile at $670,211.80 each. Not a Closing Disclosure.