Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,767Cash toward the purchase price.
Closing costs + prepaids$20,016Not just lender fees.
Before credits & paid funds$64,783The complete starting cash picture.
Estimated remaining funds due at closing
$64,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,767.40
Your down payment$44,767.40
Closing costs + prepaids$20,015.66
Total buyer cash needed$64,783.06
Remaining funds due$64,783.06
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%)$6,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,926.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,991.50
Initial HOA (3 months)$675.00
Prepaid interest, first (24 days)$2,655.15
Fees + prepaids$20,015.66
Your down payment is the seller’s equity. You take over the $585,223 balance, so the rest of the $629,990 price is paid at closing. A second mortgage can cover part of it. $64,783.06 is due at closing. Uses and sources reconcile at $650,005.66 each. Not a Closing Disclosure.