Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$45,906Cash toward the purchase price.
Closing costs + prepaids$18,682Not just lender fees.
Before credits & paid funds$64,587The complete starting cash picture.
Estimated remaining funds due at closing
$64,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,905.54
Your down payment$45,905.54
Closing costs + prepaids$18,681.57
Total buyer cash needed$64,587.12
Remaining funds due$64,587.12
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,770.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$1,044.00
Prepaid interest, first (18 days)$1,899.10
Fees + prepaids$18,681.57
Your down payment is the seller’s equity. You take over the $554,094 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $64,587.12 is due at closing. Uses and sources reconcile at $618,681.57 each. Not a Closing Disclosure.