Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,339Cash toward the purchase price.
Closing costs + prepaids$17,555Not just lender fees.
Before credits & paid funds$54,894The complete starting cash picture.
Estimated remaining funds due at closing
$54,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,338.84
Your down payment$37,338.84
Closing costs + prepaids$17,555.04
Total buyer cash needed$54,893.88
Remaining funds due$54,893.88
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%)$6,335.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,980.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.75
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$1,592.49
Fees + prepaids$17,555.04
Your down payment is the seller’s equity. You take over the $596,161 balance, so the rest of the $633,500 price is paid at closing. A second mortgage can cover part of it. $54,893.88 is due at closing. Uses and sources reconcile at $651,055.04 each. Not a Closing Disclosure.