Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,520Cash toward the purchase price.
Closing costs + prepaids$17,597Not just lender fees.
Before credits & paid funds$62,118The complete starting cash picture.
Estimated remaining funds due at closing
$62,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,520.40
Your down payment$44,520.40
Closing costs + prepaids$17,597.24
Total buyer cash needed$62,117.64
Remaining funds due$62,117.64
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,627.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.50
Initial HOA (3 months)$267.00
Prepaid interest, first (31 days)$2,972.34
Fees + prepaids$17,597.24
Your down payment is the seller’s equity. You take over the $525,480 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $62,117.64 is due at closing. Uses and sources reconcile at $587,597.24 each. Not a Closing Disclosure.