Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,034Cash toward the purchase price.
Closing costs + prepaids$17,191Not just lender fees.
Before credits & paid funds$69,225The complete starting cash picture.
Estimated remaining funds due at closing
$69,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,033.59
Your down payment$52,033.59
Closing costs + prepaids$17,191.27
Total buyer cash needed$69,224.86
Remaining funds due$69,224.86
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,584.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$735.00
Prepaid interest, first (31 days)$2,713.44
Fees + prepaids$17,191.27
Your down payment is the seller’s equity. You take over the $516,966 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $69,224.86 is due at closing. Uses and sources reconcile at $586,191.27 each. Not a Closing Disclosure.