Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,972Cash toward the purchase price.
Closing costs + prepaids$19,160Not just lender fees.
Before credits & paid funds$57,132The complete starting cash picture.
Estimated remaining funds due at closing
$57,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,972.48
Your down payment$37,972.48
Closing costs + prepaids$19,159.67
Total buyer cash needed$57,132.15
Remaining funds due$57,132.15
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%)$6,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,052.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$899.00
Prepaid interest, first (28 days)$3,255.03
Fees + prepaids$19,159.67
Your down payment is the seller’s equity. You take over the $610,528 balance, so the rest of the $648,500 price is paid at closing. A second mortgage can cover part of it. $57,132.15 is due at closing. Uses and sources reconcile at $667,659.67 each. Not a Closing Disclosure.