Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,669Cash toward the purchase price.
Closing costs + prepaids$19,625Not just lender fees.
Before credits & paid funds$64,294The complete starting cash picture.
Estimated remaining funds due at closing
$64,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,668.65
Your down payment$44,668.65
Closing costs + prepaids$19,625.49
Total buyer cash needed$64,294.14
Remaining funds due$64,294.14
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,851.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,537.50
Initial HOA (3 months)$1,212.00
Prepaid interest, first (28 days)$2,406.33
Fees + prepaids$19,625.49
Your down payment is the seller’s equity. You take over the $570,331 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $64,294.14 is due at closing. Uses and sources reconcile at $634,625.49 each. Not a Closing Disclosure.