Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$61,916Cash toward the purchase price.
Closing costs + prepaids$15,602Not just lender fees.
Before credits & paid funds$77,518The complete starting cash picture.
Estimated remaining funds due at closing
$77,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,915.68
Your down payment$61,915.68
Closing costs + prepaids$15,602.04
Total buyer cash needed$77,517.73
Remaining funds due$77,517.73
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,415.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,037.75
Prepaid interest, first (30 days)$1,230.87
Fees + prepaids$15,602.04
Your down payment is the seller’s equity. You take over the $483,084 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $77,517.73 is due at closing. Uses and sources reconcile at $560,602.04 each. Not a Closing Disclosure.