Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,920Cash toward the purchase price.
Closing costs + prepaids$18,669Not just lender fees.
Before credits & paid funds$73,588The complete starting cash picture.
Estimated remaining funds due at closing
$73,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,919.72
Your down payment$54,919.72
Closing costs + prepaids$18,668.57
Total buyer cash needed$73,588.29
Remaining funds due$73,588.29
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,850.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,139.50
Prepaid interest, first (28 days)$2,960.67
Fees + prepaids$18,668.57
Your down payment is the seller’s equity. You take over the $570,080 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $73,588.29 is due at closing. Uses and sources reconcile at $643,668.57 each. Not a Closing Disclosure.