Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$45,918Cash toward the purchase price.
Closing costs + prepaids$16,120Not just lender fees.
Before credits & paid funds$62,038The complete starting cash picture.
Estimated remaining funds due at closing
$62,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,917.78
Your down payment$45,917.78
Closing costs + prepaids$16,120.19
Total buyer cash needed$62,037.97
Remaining funds due$62,037.97
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%)$2,495.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$670.25
Prepaid interest, first (22 days)$2,036.53
Fees + prepaids$16,120.19
Your down payment is the seller’s equity. You take over the $499,082 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $62,037.97 is due at closing. Uses and sources reconcile at $561,120.19 each. Not a Closing Disclosure.