Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,591Cash toward the purchase price.
Closing costs + prepaids$17,551Not just lender fees.
Before credits & paid funds$72,141The complete starting cash picture.
Estimated remaining funds due at closing
$72,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,590.88
Your down payment$54,590.88
Closing costs + prepaids$17,550.61
Total buyer cash needed$72,141.50
Remaining funds due$72,141.50
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,876.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$42.50
Prepaid interest, first (26 days)$2,864.57
Fees + prepaids$17,550.61
Your down payment is the seller’s equity. You take over the $575,309 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $72,141.50 is due at closing. Uses and sources reconcile at $647,450.61 each. Not a Closing Disclosure.