Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$54,446Cash toward the purchase price.
Closing costs + prepaids$18,623Not just lender fees.
Before credits & paid funds$73,069The complete starting cash picture.
Estimated remaining funds due at closing
$73,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,446.24
Your down payment$54,446.24
Closing costs + prepaids$18,623.17
Total buyer cash needed$73,069.41
Remaining funds due$73,069.41
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%)$2,922.77
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)$3,148.90
Fees + prepaids$18,623.17
Your down payment is the seller’s equity. You take over the $584,554 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $73,069.41 is due at closing. Uses and sources reconcile at $657,623.17 each. Not a Closing Disclosure.