Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$58,244Cash toward the purchase price.
Closing costs + prepaids$17,712Not just lender fees.
Before credits & paid funds$75,956The complete starting cash picture.
Estimated remaining funds due at closing
$75,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,244.26
Your down payment$58,244.26
Closing costs + prepaids$17,711.97
Total buyer cash needed$75,956.23
Remaining funds due$75,956.23
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%)$5,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,578.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$706.25
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$2,693.94
Fees + prepaids$17,711.97
Your down payment is the seller’s equity. You take over the $515,756 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $75,956.23 is due at closing. Uses and sources reconcile at $591,711.97 each. Not a Closing Disclosure.