Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,138Cash toward the purchase price.
Closing costs + prepaids$19,157Not just lender fees.
Before credits & paid funds$66,295The complete starting cash picture.
Estimated remaining funds due at closing
$66,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,137.82
Your down payment$47,137.82
Closing costs + prepaids$19,156.96
Total buyer cash needed$66,294.77
Remaining funds due$66,294.77
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%)$2,989.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,612.50
Prepaid interest, first (28 days)$2,637.15
Fees + prepaids$19,156.96
Your down payment is the seller’s equity. You take over the $597,862 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $66,294.77 is due at closing. Uses and sources reconcile at $664,156.96 each. Not a Closing Disclosure.