Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$40,854Cash toward the purchase price.
Closing costs + prepaids$18,110Not just lender fees.
Before credits & paid funds$58,965The complete starting cash picture.
Estimated remaining funds due at closing
$58,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,854.38
Your down payment$40,854.38
Closing costs + prepaids$18,110.16
Total buyer cash needed$58,964.53
Remaining funds due$58,964.53
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%)$2,895.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$442.50
Prepaid interest, first (29 days)$3,105.43
Fees + prepaids$18,110.16
Your down payment is the seller’s equity. You take over the $579,046 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $58,964.53 is due at closing. Uses and sources reconcile at $638,010.16 each. Not a Closing Disclosure.