Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,408Cash toward the purchase price.
Closing costs + prepaids$17,266Not just lender fees.
Before credits & paid funds$72,674The complete starting cash picture.
Estimated remaining funds due at closing
$72,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,408.40
Your down payment$55,408.40
Closing costs + prepaids$17,265.88
Total buyer cash needed$72,674.29
Remaining funds due$72,674.29
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%)$2,597.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.25
Initial HOA (3 months)$114.00
Prepaid interest, first (30 days)$2,677.68
Fees + prepaids$17,265.88
Your down payment is the seller’s equity. You take over the $519,592 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $72,674.29 is due at closing. Uses and sources reconcile at $592,265.88 each. Not a Closing Disclosure.