Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$47,061Cash toward the purchase price.
Closing costs + prepaids$17,541Not just lender fees.
Before credits & paid funds$64,602The complete starting cash picture.
Estimated remaining funds due at closing
$64,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,060.64
Your down payment$47,060.64
Closing costs + prepaids$17,541.40
Total buyer cash needed$64,602.05
Remaining funds due$64,602.05
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,039.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$818.75
Initial HOA (3 months)$51.00
Prepaid interest, first (17 days)$1,613.95
Fees + prepaids$17,541.40
Your down payment is the seller’s equity. You take over the $607,939 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $64,602.05 is due at closing. Uses and sources reconcile at $672,541.40 each. Not a Closing Disclosure.