Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,617Cash toward the purchase price.
Closing costs + prepaids$18,033Not just lender fees.
Before credits & paid funds$78,650The complete starting cash picture.
Estimated remaining funds due at closing
$78,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,616.91
Your down payment$60,616.91
Closing costs + prepaids$18,033.42
Total buyer cash needed$78,650.34
Remaining funds due$78,650.34
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%)$5,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,571.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,223.25
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$2,420.27
Fees + prepaids$18,033.42
Your down payment is the seller’s equity. You take over the $514,382 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $78,650.34 is due at closing. Uses and sources reconcile at $593,032.42 each. Not a Closing Disclosure.