Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,429Cash toward the purchase price.
Closing costs + prepaids$17,945Not just lender fees.
Before credits & paid funds$55,374The complete starting cash picture.
Estimated remaining funds due at closing
$55,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,428.69
Your down payment$37,428.69
Closing costs + prepaids$17,944.84
Total buyer cash needed$55,373.53
Remaining funds due$55,373.53
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,037.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$649.75
Prepaid interest, first (23 days)$2,339.23
Fees + prepaids$17,944.84
Your down payment is the seller’s equity. You take over the $607,571 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $55,373.53 is due at closing. Uses and sources reconcile at $662,944.84 each. Not a Closing Disclosure.