Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$49,633Cash toward the purchase price.
Closing costs + prepaids$17,027Not just lender fees.
Before credits & paid funds$66,660The complete starting cash picture.
Estimated remaining funds due at closing
$66,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,633.04
Your down payment$49,633.04
Closing costs + prepaids$17,026.82
Total buyer cash needed$66,659.86
Remaining funds due$66,659.86
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,626.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,001.75
Initial HOA (3 months)$453.00
Prepaid interest, first (30 days)$1,727.23
Fees + prepaids$17,026.82
Your down payment is the seller’s equity. You take over the $525,367 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $66,659.86 is due at closing. Uses and sources reconcile at $592,026.82 each. Not a Closing Disclosure.