Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$49,395Cash toward the purchase price.
Closing costs + prepaids$19,367Not just lender fees.
Before credits & paid funds$68,762The complete starting cash picture.
Estimated remaining funds due at closing
$68,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,394.66
Your down payment$49,394.66
Closing costs + prepaids$19,366.96
Total buyer cash needed$68,761.62
Remaining funds due$68,761.62
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,852.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,549.75
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$2,397.69
Fees + prepaids$19,366.96
Your down payment is the seller’s equity. You take over the $570,505 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $68,761.62 is due at closing. Uses and sources reconcile at $639,266.96 each. Not a Closing Disclosure.