Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,131Cash toward the purchase price.
Closing costs + prepaids$17,583Not just lender fees.
Before credits & paid funds$63,714The complete starting cash picture.
Estimated remaining funds due at closing
$63,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,130.98
Your down payment$46,130.98
Closing costs + prepaids$17,583.03
Total buyer cash needed$63,714.02
Remaining funds due$63,714.02
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,894.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$607.00
Prepaid interest, first (24 days)$2,363.69
Fees + prepaids$17,583.03
Your down payment is the seller’s equity. You take over the $578,869 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $63,714.02 is due at closing. Uses and sources reconcile at $642,583.03 each. Not a Closing Disclosure.