Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$55,646Cash toward the purchase price.
Closing costs + prepaids$18,224Not just lender fees.
Before credits & paid funds$73,871The complete starting cash picture.
Estimated remaining funds due at closing
$73,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,646.40
Your down payment$55,646.40
Closing costs + prepaids$18,224.41
Total buyer cash needed$73,870.81
Remaining funds due$73,870.81
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,821.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$53.00
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$3,321.65
Fees + prepaids$18,224.41
Your down payment is the seller’s equity. You take over the $564,354 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $73,870.81 is due at closing. Uses and sources reconcile at $638,224.41 each. Not a Closing Disclosure.