Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,983Cash toward the purchase price.
Closing costs + prepaids$21,240Not just lender fees.
Before credits & paid funds$76,223The complete starting cash picture.
Estimated remaining funds due at closing
$76,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,983.20
Your down payment$54,983.20
Closing costs + prepaids$21,239.60
Total buyer cash needed$76,222.80
Remaining funds due$76,222.80
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,920.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Initial HOA (3 months)$1,374.00
Prepaid interest, first (28 days)$3,490.02
Fees + prepaids$21,239.60
Your down payment is the seller’s equity. You take over the $584,017 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $76,222.80 is due at closing. Uses and sources reconcile at $660,239.60 each. Not a Closing Disclosure.