Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,619Cash toward the purchase price.
Closing costs + prepaids$17,109Not just lender fees.
Before credits & paid funds$51,728The complete starting cash picture.
Estimated remaining funds due at closing
$51,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,619.06
Your down payment$34,619.06
Closing costs + prepaids$17,109.17
Total buyer cash needed$51,728.22
Remaining funds due$51,728.22
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,551.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,075.75
Prepaid interest, first (27 days)$2,563.51
Fees + prepaids$17,109.17
Your down payment is the seller’s equity. You take over the $510,381 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $51,728.22 is due at closing. Uses and sources reconcile at $562,109.17 each. Not a Closing Disclosure.