Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,874Cash toward the purchase price.
Closing costs + prepaids$20,308Not just lender fees.
Before credits & paid funds$69,182The complete starting cash picture.
Estimated remaining funds due at closing
$69,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,873.81
Your down payment$48,873.81
Closing costs + prepaids$20,308.31
Total buyer cash needed$69,182.12
Remaining funds due$69,182.12
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%)$6,788.80
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,150.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,697.25
Prepaid interest, first (28 days)$3,204.23
Fees + prepaids$20,308.31
Your down payment is the seller’s equity. You take over the $630,006 balance, so the rest of the $678,880 price is paid at closing. A second mortgage can cover part of it. $69,182.12 is due at closing. Uses and sources reconcile at $699,188.31 each. Not a Closing Disclosure.