Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,970Cash toward the purchase price.
Closing costs + prepaids$19,498Not just lender fees.
Before credits & paid funds$73,468The complete starting cash picture.
Estimated remaining funds due at closing
$73,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,970.19
Your down payment$53,970.19
Closing costs + prepaids$19,497.69
Total buyer cash needed$73,467.88
Remaining funds due$73,467.88
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%)$6,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,905.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,587.50
Initial HOA (3 months)$273.00
Prepaid interest, first (27 days)$2,914.06
Fees + prepaids$19,497.69
Your down payment is the seller’s equity. You take over the $581,029 balance, so the rest of the $634,999 price is paid at closing. A second mortgage can cover part of it. $73,467.88 is due at closing. Uses and sources reconcile at $654,496.69 each. Not a Closing Disclosure.