Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,900Cash toward the purchase price.
Closing costs + prepaids$17,583Not just lender fees.
Before credits & paid funds$63,484The complete starting cash picture.
Estimated remaining funds due at closing
$63,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,900.49
Your down payment$45,900.49
Closing costs + prepaids$17,583.46
Total buyer cash needed$63,483.96
Remaining funds due$63,483.96
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%)$6,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,833.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.50
Prepaid interest, first (23 days)$2,484.97
Fees + prepaids$17,583.46
Your down payment is the seller’s equity. You take over the $566,600 balance, so the rest of the $612,500 price is paid at closing. A second mortgage can cover part of it. $63,483.96 is due at closing. Uses and sources reconcile at $630,083.46 each. Not a Closing Disclosure.