Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$41,232Cash toward the purchase price.
Closing costs + prepaids$16,898Not just lender fees.
Before credits & paid funds$58,129The complete starting cash picture.
Estimated remaining funds due at closing
$58,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,231.87
Your down payment$41,231.87
Closing costs + prepaids$16,897.53
Total buyer cash needed$58,129.40
Remaining funds due$58,129.40
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,618.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$266.00
Initial HOA (3 months)$615.00
Prepaid interest, first (30 days)$2,281.18
Fees + prepaids$16,897.53
Your down payment is the seller’s equity. You take over the $523,668 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $58,129.40 is due at closing. Uses and sources reconcile at $581,797.53 each. Not a Closing Disclosure.