Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,116Cash toward the purchase price.
Closing costs + prepaids$17,136Not just lender fees.
Before credits & paid funds$61,252The complete starting cash picture.
Estimated remaining funds due at closing
$61,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,116.19
Your down payment$44,116.19
Closing costs + prepaids$17,135.55
Total buyer cash needed$61,251.74
Remaining funds due$61,251.74
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,504.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,708.50
Prepaid interest, first (22 days)$2,004.63
Fees + prepaids$17,135.55
Your down payment is the seller’s equity. You take over the $500,884 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $61,251.74 is due at closing. Uses and sources reconcile at $562,135.55 each. Not a Closing Disclosure.