Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$42,078Cash toward the purchase price.
Closing costs + prepaids$17,828Not just lender fees.
Before credits & paid funds$59,906The complete starting cash picture.
Estimated remaining funds due at closing
$59,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,078.21
Your down payment$42,078.21
Closing costs + prepaids$17,827.71
Total buyer cash needed$59,905.92
Remaining funds due$59,905.92
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%)$6,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,029.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,620.00
Prepaid interest, first (26 days)$1,230.10
Fees + prepaids$17,827.71
Your down payment is the seller’s equity. You take over the $605,922 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $59,905.92 is due at closing. Uses and sources reconcile at $665,827.71 each. Not a Closing Disclosure.