Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$38,626Cash toward the purchase price.
Closing costs + prepaids$19,160Not just lender fees.
Before credits & paid funds$57,787The complete starting cash picture.
Estimated remaining funds due at closing
$57,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,626.38
Your down payment$38,626.38
Closing costs + prepaids$19,160.32
Total buyer cash needed$57,786.70
Remaining funds due$57,786.70
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%)$6,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,871.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,532.50
Prepaid interest, first (29 days)$3,157.95
Fees + prepaids$19,160.32
Your down payment is the seller’s equity. You take over the $574,374 balance, so the rest of the $613,000 price is paid at closing. A second mortgage can cover part of it. $57,786.70 is due at closing. Uses and sources reconcile at $632,160.32 each. Not a Closing Disclosure.