Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$56,223Cash toward the purchase price.
Closing costs + prepaids$18,285Not just lender fees.
Before credits & paid funds$74,508The complete starting cash picture.
Estimated remaining funds due at closing
$74,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,222.83
Your down payment$56,222.83
Closing costs + prepaids$18,285.23
Total buyer cash needed$74,508.06
Remaining funds due$74,508.06
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%)$2,913.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$693.50
Prepaid interest, first (29 days)$2,819.84
Fees + prepaids$18,285.23
Your down payment is the seller’s equity. You take over the $582,777 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $74,508.06 is due at closing. Uses and sources reconcile at $657,285.23 each. Not a Closing Disclosure.