Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$56,693Cash toward the purchase price.
Closing costs + prepaids$18,719Not just lender fees.
Before credits & paid funds$75,412The complete starting cash picture.
Estimated remaining funds due at closing
$75,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,692.96
Your down payment$56,692.96
Closing costs + prepaids$18,719.15
Total buyer cash needed$75,412.11
Remaining funds due$75,412.11
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,916.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,080.50
Initial HOA (3 months)$363.00
Prepaid interest, first (26 days)$2,492.61
Fees + prepaids$18,719.15
Your down payment is the seller’s equity. You take over the $583,207 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $75,412.11 is due at closing. Uses and sources reconcile at $658,619.15 each. Not a Closing Disclosure.