Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$55,119Cash toward the purchase price.
Closing costs + prepaids$16,495Not just lender fees.
Before credits & paid funds$71,614The complete starting cash picture.
Estimated remaining funds due at closing
$71,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,119.10
Your down payment$55,119.10
Closing costs + prepaids$16,494.88
Total buyer cash needed$71,613.98
Remaining funds due$71,613.98
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%)$2,599.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,500.00
Prepaid interest, first (2 days)$177.47
Fees + prepaids$16,494.88
Your down payment is the seller’s equity. You take over the $519,881 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $71,613.98 is due at closing. Uses and sources reconcile at $591,494.88 each. Not a Closing Disclosure.