Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,511Cash toward the purchase price.
Closing costs + prepaids$19,072Not just lender fees.
Before credits & paid funds$64,583The complete starting cash picture.
Estimated remaining funds due at closing
$64,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,511.02
Your down payment$45,511.02
Closing costs + prepaids$19,072.01
Total buyer cash needed$64,583.03
Remaining funds due$64,583.03
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,772.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (25 days)$2,206.56
Fees + prepaids$19,072.01
Your down payment is the seller’s equity. You take over the $554,489 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $64,583.03 is due at closing. Uses and sources reconcile at $619,072.01 each. Not a Closing Disclosure.