Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,623Cash toward the purchase price.
Closing costs + prepaids$17,158Not just lender fees.
Before credits & paid funds$65,781The complete starting cash picture.
Estimated remaining funds due at closing
$65,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,623.44
Your down payment$48,623.44
Closing costs + prepaids$17,157.82
Total buyer cash needed$65,781.26
Remaining funds due$65,781.26
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%)$2,856.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,549.75
Initial HOA (3 months)$900.00
Prepaid interest, first (2 days)$184.69
Fees + prepaids$17,157.82
Your down payment is the seller’s equity. You take over the $571,277 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $65,781.26 is due at closing. Uses and sources reconcile at $637,057.82 each. Not a Closing Disclosure.