Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$37,162Cash toward the purchase price.
Closing costs + prepaids$16,938Not just lender fees.
Before credits & paid funds$54,100The complete starting cash picture.
Estimated remaining funds due at closing
$54,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,161.61
Your down payment$37,161.61
Closing costs + prepaids$16,937.98
Total buyer cash needed$54,099.59
Remaining funds due$54,099.59
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,864.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.50
Initial HOA (3 months)$126.00
Prepaid interest, first (15 days)$1,617.29
Fees + prepaids$16,937.98
Your down payment is the seller’s equity. You take over the $572,838 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $54,099.59 is due at closing. Uses and sources reconcile at $626,937.98 each. Not a Closing Disclosure.