Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$48,614Cash toward the purchase price.
Closing costs + prepaids$20,358Not just lender fees.
Before credits & paid funds$68,972The complete starting cash picture.
Estimated remaining funds due at closing
$68,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,613.96
Your down payment$48,613.96
Closing costs + prepaids$20,357.99
Total buyer cash needed$68,971.95
Remaining funds due$68,971.95
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%)$2,981.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,612.50
Initial HOA (3 months)$1,053.00
Prepaid interest, first (27 days)$2,792.56
Fees + prepaids$20,357.99
Your down payment is the seller’s equity. You take over the $596,386 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $68,971.95 is due at closing. Uses and sources reconcile at $665,357.99 each. Not a Closing Disclosure.