Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,059Cash toward the purchase price.
Closing costs + prepaids$18,208Not just lender fees.
Before credits & paid funds$81,267The complete starting cash picture.
Estimated remaining funds due at closing
$81,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,058.80
Your down payment$63,058.80
Closing costs + prepaids$18,208.35
Total buyer cash needed$81,267.15
Remaining funds due$81,267.15
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%)$6,435.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,902.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$414.75
Prepaid interest, first (27 days)$2,988.40
Fees + prepaids$18,208.35
Your down payment is the seller’s equity. You take over the $580,441 balance, so the rest of the $643,500 price is paid at closing. A second mortgage can cover part of it. $81,267.15 is due at closing. Uses and sources reconcile at $661,708.35 each. Not a Closing Disclosure.