Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$44,902Cash toward the purchase price.
Closing costs + prepaids$17,967Not just lender fees.
Before credits & paid funds$62,869The complete starting cash picture.
Estimated remaining funds due at closing
$62,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,901.98
Your down payment$44,901.98
Closing costs + prepaids$17,966.96
Total buyer cash needed$62,868.95
Remaining funds due$62,868.95
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,150.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$843.75
Initial HOA (3 months)$45.00
Prepaid interest, first (16 days)$1,709.72
Fees + prepaids$17,966.96
Your down payment is the seller’s equity. You take over the $630,098 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $62,868.95 is due at closing. Uses and sources reconcile at $692,966.96 each. Not a Closing Disclosure.