Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,050Cash toward the purchase price.
Closing costs + prepaids$18,941Not just lender fees.
Before credits & paid funds$76,991The complete starting cash picture.
Estimated remaining funds due at closing
$76,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,050.11
Your down payment$58,050.11
Closing costs + prepaids$18,941.11
Total buyer cash needed$76,991.22
Remaining funds due$76,991.22
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,684.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,528.50
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$3,009.86
Fees + prepaids$18,941.11
Your down payment is the seller’s equity. You take over the $536,950 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $76,991.22 is due at closing. Uses and sources reconcile at $613,941.11 each. Not a Closing Disclosure.