Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,229Cash toward the purchase price.
Closing costs + prepaids$19,230Not just lender fees.
Before credits & paid funds$61,459The complete starting cash picture.
Estimated remaining funds due at closing
$61,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,228.70
Your down payment$42,228.70
Closing costs + prepaids$19,229.82
Total buyer cash needed$61,458.52
Remaining funds due$61,458.52
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%)$6,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,028.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,027.75
Initial HOA (3 months)$438.00
Prepaid interest, first (27 days)$2,787.21
Fees + prepaids$19,229.82
Your down payment is the seller’s equity. You take over the $605,771 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $61,458.52 is due at closing. Uses and sources reconcile at $667,229.82 each. Not a Closing Disclosure.