Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,633Cash toward the purchase price.
Closing costs + prepaids$18,254Not just lender fees.
Before credits & paid funds$62,886The complete starting cash picture.
Estimated remaining funds due at closing
$62,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,632.53
Your down payment$44,632.53
Closing costs + prepaids$18,253.87
Total buyer cash needed$62,886.39
Remaining funds due$62,886.39
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,751.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,487.50
Prepaid interest, first (28 days)$2,596.53
Fees + prepaids$18,253.87
Your down payment is the seller’s equity. You take over the $550,367 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $62,886.39 is due at closing. Uses and sources reconcile at $613,253.87 each. Not a Closing Disclosure.