Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,769Cash toward the purchase price.
Closing costs + prepaids$17,225Not just lender fees.
Before credits & paid funds$56,994The complete starting cash picture.
Estimated remaining funds due at closing
$56,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,769.23
Your down payment$39,769.23
Closing costs + prepaids$17,224.85
Total buyer cash needed$56,994.08
Remaining funds due$56,994.08
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%)$2,676.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,206.75
Initial HOA (3 months)$525.00
Prepaid interest, first (29 days)$1,598.95
Fees + prepaids$17,224.85
Your down payment is the seller’s equity. You take over the $535,231 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $56,994.08 is due at closing. Uses and sources reconcile at $592,224.85 each. Not a Closing Disclosure.