Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,900Cash toward the purchase price.
Closing costs + prepaids$18,448Not just lender fees.
Before credits & paid funds$64,348The complete starting cash picture.
Estimated remaining funds due at closing
$64,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,900.49
Your down payment$45,900.49
Closing costs + prepaids$18,447.80
Total buyer cash needed$64,348.29
Remaining funds due$64,348.29
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%)$6,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,833.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.50
Prepaid interest, first (31 days)$3,349.30
Fees + prepaids$18,447.80
Your down payment is the seller’s equity. You take over the $566,600 balance, so the rest of the $612,500 price is paid at closing. A second mortgage can cover part of it. $64,348.29 is due at closing. Uses and sources reconcile at $630,947.80 each. Not a Closing Disclosure.