Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,564Cash toward the purchase price.
Closing costs + prepaids$18,235Not just lender fees.
Before credits & paid funds$65,799The complete starting cash picture.
Estimated remaining funds due at closing
$65,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,563.95
Your down payment$47,563.95
Closing costs + prepaids$18,235.04
Total buyer cash needed$65,798.99
Remaining funds due$65,798.99
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,762.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (25 days)$2,504.88
Fees + prepaids$18,235.04
Your down payment is the seller’s equity. You take over the $552,435 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $65,798.99 is due at closing. Uses and sources reconcile at $618,234.04 each. Not a Closing Disclosure.