Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$46,131Cash toward the purchase price.
Closing costs + prepaids$18,272Not just lender fees.
Before credits & paid funds$64,403The complete starting cash picture.
Estimated remaining funds due at closing
$64,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,130.98
Your down payment$46,130.98
Closing costs + prepaids$18,272.44
Total buyer cash needed$64,403.42
Remaining funds due$64,403.42
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%)$2,894.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$607.00
Prepaid interest, first (31 days)$3,053.10
Fees + prepaids$18,272.44
Your down payment is the seller’s equity. You take over the $578,869 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $64,403.42 is due at closing. Uses and sources reconcile at $643,272.44 each. Not a Closing Disclosure.