Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,321Cash toward the purchase price.
Closing costs + prepaids$19,261Not just lender fees.
Before credits & paid funds$73,582The complete starting cash picture.
Estimated remaining funds due at closing
$73,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,320.82
Your down payment$54,320.82
Closing costs + prepaids$19,261.39
Total buyer cash needed$73,582.21
Remaining funds due$73,582.21
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%)$6,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,853.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$675.00
Prepaid interest, first (23 days)$2,452.51
Fees + prepaids$19,261.39
Your down payment is the seller’s equity. You take over the $570,678 balance, so the rest of the $624,999 price is paid at closing. A second mortgage can cover part of it. $73,582.21 is due at closing. Uses and sources reconcile at $644,260.39 each. Not a Closing Disclosure.