Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,749Cash toward the purchase price.
Closing costs + prepaids$19,390Not just lender fees.
Before credits & paid funds$64,140The complete starting cash picture.
Estimated remaining funds due at closing
$64,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,749.39
Your down payment$44,749.39
Closing costs + prepaids$19,390.50
Total buyer cash needed$64,139.89
Remaining funds due$64,139.89
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%)$2,875.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,935.75
Prepaid interest, first (30 days)$2,912.00
Fees + prepaids$19,390.50
Your down payment is the seller’s equity. You take over the $575,151 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $64,139.89 is due at closing. Uses and sources reconcile at $639,290.50 each. Not a Closing Disclosure.