Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$63,163Cash toward the purchase price.
Closing costs + prepaids$16,529Not just lender fees.
Before credits & paid funds$79,692The complete starting cash picture.
Estimated remaining funds due at closing
$79,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,162.85
Your down payment$63,162.85
Closing costs + prepaids$16,528.73
Total buyer cash needed$79,691.59
Remaining funds due$79,691.59
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,879.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Prepaid interest, first (2 days)$194.05
Fees + prepaids$16,528.73
Your down payment is the seller’s equity. You take over the $575,837 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $79,691.59 is due at closing. Uses and sources reconcile at $655,528.73 each. Not a Closing Disclosure.