Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,838Cash toward the purchase price.
Closing costs + prepaids$19,568Not just lender fees.
Before credits & paid funds$66,406The complete starting cash picture.
Estimated remaining funds due at closing
$66,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,838.12
Your down payment$46,838.12
Closing costs + prepaids$19,567.78
Total buyer cash needed$66,405.90
Remaining funds due$66,405.90
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,990.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,612.50
Initial HOA (3 months)$555.00
Prepaid interest, first (23 days)$2,491.47
Fees + prepaids$19,567.78
Your down payment is the seller’s equity. You take over the $598,162 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $66,405.90 is due at closing. Uses and sources reconcile at $664,567.78 each. Not a Closing Disclosure.