Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,740Cash toward the purchase price.
Closing costs + prepaids$16,881Not just lender fees.
Before credits & paid funds$74,622The complete starting cash picture.
Estimated remaining funds due at closing
$74,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,740.25
Your down payment$57,740.25
Closing costs + prepaids$16,881.31
Total buyer cash needed$74,621.56
Remaining funds due$74,621.56
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,310.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,634.75
Prepaid interest, first (31 days)$2,268.76
Fees + prepaids$16,881.31
Your down payment is the seller’s equity. You take over the $462,160 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $74,621.56 is due at closing. Uses and sources reconcile at $536,781.31 each. Not a Closing Disclosure.