Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$47,499Cash toward the purchase price.
Closing costs + prepaids$17,969Not just lender fees.
Before credits & paid funds$65,468The complete starting cash picture.
Estimated remaining funds due at closing
$65,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,499.25
Your down payment$47,499.25
Closing costs + prepaids$17,969.07
Total buyer cash needed$65,468.32
Remaining funds due$65,468.32
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%)$2,987.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.25
Prepaid interest, first (22 days)$2,409.32
Fees + prepaids$17,969.07
Your down payment is the seller’s equity. You take over the $597,501 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $65,468.32 is due at closing. Uses and sources reconcile at $662,969.07 each. Not a Closing Disclosure.