Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,320Cash toward the purchase price.
Closing costs + prepaids$15,921Not just lender fees.
Before credits & paid funds$51,242The complete starting cash picture.
Estimated remaining funds due at closing
$51,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,320.16
Your down payment$35,320.16
Closing costs + prepaids$15,921.35
Total buyer cash needed$51,241.50
Remaining funds due$51,241.50
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,018.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$114.95
Fees + prepaids$15,921.35
Your down payment is the seller’s equity. You take over the $603,680 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $51,241.50 is due at closing. Uses and sources reconcile at $654,921.35 each. Not a Closing Disclosure.