Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,183Cash toward the purchase price.
Closing costs + prepaids$20,351Not just lender fees.
Before credits & paid funds$79,533The complete starting cash picture.
Estimated remaining funds due at closing
$79,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,182.64
Your down payment$59,182.64
Closing costs + prepaids$20,350.56
Total buyer cash needed$79,533.20
Remaining funds due$79,533.20
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,953.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,832.75
Prepaid interest, first (31 days)$3,597.23
Fees + prepaids$20,350.56
Your down payment is the seller’s equity. You take over the $590,717 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $79,533.20 is due at closing. Uses and sources reconcile at $670,250.56 each. Not a Closing Disclosure.