Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$49,416Cash toward the purchase price.
Closing costs + prepaids$18,178Not just lender fees.
Before credits & paid funds$67,594The complete starting cash picture.
Estimated remaining funds due at closing
$67,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,415.81
Your down payment$49,415.81
Closing costs + prepaids$18,177.93
Total buyer cash needed$67,593.74
Remaining funds due$67,593.74
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%)$6,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,877.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$72.00
Prepaid interest, first (26 days)$1,947.52
Fees + prepaids$18,177.93
Your down payment is the seller’s equity. You take over the $575,583 balance, so the rest of the $624,999 price is paid at closing. A second mortgage can cover part of it. $67,593.74 is due at closing. Uses and sources reconcile at $643,176.93 each. Not a Closing Disclosure.