Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$46,250Cash toward the purchase price.
Closing costs + prepaids$18,675Not just lender fees.
Before credits & paid funds$64,925The complete starting cash picture.
Estimated remaining funds due at closing
$64,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,250.34
Your down payment$46,250.34
Closing costs + prepaids$18,674.74
Total buyer cash needed$64,925.08
Remaining funds due$64,925.08
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,243.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$868.75
Initial HOA (3 months)$150.00
Prepaid interest, first (17 days)$1,994.24
Fees + prepaids$18,674.74
Your down payment is the seller’s equity. You take over the $648,750 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $64,925.08 is due at closing. Uses and sources reconcile at $713,674.74 each. Not a Closing Disclosure.