Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$35,884Cash toward the purchase price.
Closing costs + prepaids$17,351Not just lender fees.
Before credits & paid funds$53,235The complete starting cash picture.
Estimated remaining funds due at closing
$53,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,884.11
Your down payment$35,884.11
Closing costs + prepaids$17,351.23
Total buyer cash needed$53,235.35
Remaining funds due$53,235.35
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,115.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$790.75
Prepaid interest, first (12 days)$1,386.90
Fees + prepaids$17,351.23
Your down payment is the seller’s equity. You take over the $623,116 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $53,235.35 is due at closing. Uses and sources reconcile at $676,351.23 each. Not a Closing Disclosure.