Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,441Cash toward the purchase price.
Closing costs + prepaids$16,381Not just lender fees.
Before credits & paid funds$85,822The complete starting cash picture.
Estimated remaining funds due at closing
$85,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,441.10
Your down payment$69,441.10
Closing costs + prepaids$16,381.33
Total buyer cash needed$85,822.43
Remaining funds due$85,822.43
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,527.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.50
Prepaid interest, first (31 days)$2,602.04
Fees + prepaids$16,381.33
Your down payment is the seller’s equity. You take over the $505,559 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $85,822.43 is due at closing. Uses and sources reconcile at $591,381.33 each. Not a Closing Disclosure.