Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$39,067Cash toward the purchase price.
Closing costs + prepaids$15,889Not just lender fees.
Before credits & paid funds$54,956The complete starting cash picture.
Estimated remaining funds due at closing
$54,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,067.14
Your down payment$39,067.14
Closing costs + prepaids$15,888.88
Total buyer cash needed$54,956.03
Remaining funds due$54,956.03
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,929.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Prepaid interest, first (6 days)$491.22
Fees + prepaids$15,888.88
Your down payment is the seller’s equity. You take over the $585,933 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $54,956.03 is due at closing. Uses and sources reconcile at $640,888.88 each. Not a Closing Disclosure.