Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$38,626Cash toward the purchase price.
Closing costs + prepaids$17,962Not just lender fees.
Before credits & paid funds$56,589The complete starting cash picture.
Estimated remaining funds due at closing
$56,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,626.38
Your down payment$38,626.38
Closing costs + prepaids$17,962.48
Total buyer cash needed$56,588.86
Remaining funds due$56,588.86
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%)$6,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,871.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,532.50
Prepaid interest, first (18 days)$1,960.11
Fees + prepaids$17,962.48
Your down payment is the seller’s equity. You take over the $574,374 balance, so the rest of the $613,000 price is paid at closing. A second mortgage can cover part of it. $56,588.86 is due at closing. Uses and sources reconcile at $630,962.48 each. Not a Closing Disclosure.