Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,356Cash toward the purchase price.
Closing costs + prepaids$17,642Not just lender fees.
Before credits & paid funds$61,998The complete starting cash picture.
Estimated remaining funds due at closing
$61,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,355.73
Your down payment$44,355.73
Closing costs + prepaids$17,642.33
Total buyer cash needed$61,998.06
Remaining funds due$61,998.06
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%)$6,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,802.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$36.50
Initial HOA (3 months)$534.99
Prepaid interest, first (26 days)$2,751.12
Fees + prepaids$17,642.33
Your down payment is the seller’s equity. You take over the $560,544 balance, so the rest of the $604,900 price is paid at closing. A second mortgage can cover part of it. $61,998.06 is due at closing. Uses and sources reconcile at $622,542.33 each. Not a Closing Disclosure.