Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,714Cash toward the purchase price.
Closing costs + prepaids$18,032Not just lender fees.
Before credits & paid funds$77,746The complete starting cash picture.
Estimated remaining funds due at closing
$77,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,714.04
Your down payment$59,714.04
Closing costs + prepaids$18,031.74
Total buyer cash needed$77,745.78
Remaining funds due$77,745.78
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%)$5,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,576.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,223.25
Initial HOA (3 months)$600.00
Prepaid interest, first (30 days)$2,414.07
Fees + prepaids$18,031.74
Your down payment is the seller’s equity. You take over the $515,285 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $77,745.78 is due at closing. Uses and sources reconcile at $593,030.74 each. Not a Closing Disclosure.