Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,407Cash toward the purchase price.
Closing costs + prepaids$18,321Not just lender fees.
Before credits & paid funds$72,727The complete starting cash picture.
Estimated remaining funds due at closing
$72,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,406.63
Your down payment$54,406.63
Closing costs + prepaids$18,320.78
Total buyer cash needed$72,727.41
Remaining funds due$72,727.41
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,002.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$692.25
Prepaid interest, first (23 days)$2,607.56
Fees + prepaids$18,320.78
Your down payment is the seller’s equity. You take over the $600,593 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $72,727.41 is due at closing. Uses and sources reconcile at $673,320.78 each. Not a Closing Disclosure.