Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,824Cash toward the purchase price.
Closing costs + prepaids$18,468Not just lender fees.
Before credits & paid funds$72,292The complete starting cash picture.
Estimated remaining funds due at closing
$72,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,824.29
Your down payment$53,824.29
Closing costs + prepaids$18,467.75
Total buyer cash needed$72,292.04
Remaining funds due$72,292.04
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,830.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,089.00
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$2,669.87
Fees + prepaids$18,467.75
Your down payment is the seller’s equity. You take over the $566,176 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $72,292.04 is due at closing. Uses and sources reconcile at $638,467.75 each. Not a Closing Disclosure.