Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,287Cash toward the purchase price.
Closing costs + prepaids$18,282Not just lender fees.
Before credits & paid funds$55,569The complete starting cash picture.
Estimated remaining funds due at closing
$55,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,286.58
Your down payment$37,286.58
Closing costs + prepaids$18,282.46
Total buyer cash needed$55,569.04
Remaining funds due$55,569.04
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%)$6,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,913.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,450.25
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$1,800.79
Fees + prepaids$18,282.46
Your down payment is the seller’s equity. You take over the $582,703 balance, so the rest of the $619,990 price is paid at closing. A second mortgage can cover part of it. $55,569.04 is due at closing. Uses and sources reconcile at $638,272.46 each. Not a Closing Disclosure.