Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,259Cash toward the purchase price.
Closing costs + prepaids$16,703Not just lender fees.
Before credits & paid funds$62,962The complete starting cash picture.
Estimated remaining funds due at closing
$62,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,258.61
Your down payment$46,258.61
Closing costs + prepaids$16,703.25
Total buyer cash needed$62,961.87
Remaining funds due$62,961.87
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,618.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (30 days)$2,918.05
Fees + prepaids$16,703.25
Your down payment is the seller’s equity. You take over the $523,641 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $62,961.87 is due at closing. Uses and sources reconcile at $586,603.25 each. Not a Closing Disclosure.