Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,810Cash toward the purchase price.
Closing costs + prepaids$17,243Not just lender fees.
Before credits & paid funds$63,053The complete starting cash picture.
Estimated remaining funds due at closing
$63,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,810.25
Your down payment$45,810.25
Closing costs + prepaids$17,242.58
Total buyer cash needed$63,052.84
Remaining funds due$63,052.84
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,495.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Prepaid interest, first (28 days)$2,466.13
Fees + prepaids$17,242.58
Your down payment is the seller’s equity. You take over the $499,190 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $63,052.84 is due at closing. Uses and sources reconcile at $562,242.58 each. Not a Closing Disclosure.