Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$48,801Cash toward the purchase price.
Closing costs + prepaids$16,048Not just lender fees.
Before credits & paid funds$64,849The complete starting cash picture.
Estimated remaining funds due at closing
$64,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,801.22
Your down payment$48,801.22
Closing costs + prepaids$16,047.99
Total buyer cash needed$64,849.21
Remaining funds due$64,849.21
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,900.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$754.75
Prepaid interest, first (6 days)$634.24
Fees + prepaids$16,047.99
Your down payment is the seller’s equity. You take over the $580,199 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $64,849.21 is due at closing. Uses and sources reconcile at $645,047.99 each. Not a Closing Disclosure.