Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,247Cash toward the purchase price.
Closing costs + prepaids$17,417Not just lender fees.
Before credits & paid funds$76,664The complete starting cash picture.
Estimated remaining funds due at closing
$76,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,246.88
Your down payment$59,246.88
Closing costs + prepaids$17,416.76
Total buyer cash needed$76,663.63
Remaining funds due$76,663.63
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%)$2,778.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.50
Prepaid interest, first (26 days)$2,450.49
Fees + prepaids$17,416.76
Your down payment is the seller’s equity. You take over the $555,753 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $76,663.63 is due at closing. Uses and sources reconcile at $632,416.76 each. Not a Closing Disclosure.