Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,688Cash toward the purchase price.
Closing costs + prepaids$14,676Not just lender fees.
Before credits & paid funds$74,365The complete starting cash picture.
Estimated remaining funds due at closing
$74,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,688.24
Your down payment$59,688.24
Closing costs + prepaids$14,676.39
Total buyer cash needed$74,364.63
Remaining funds due$74,364.63
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,276.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.75
Initial HOA (3 months)$219.00
Prepaid interest, first (26 days)$1,054.08
Fees + prepaids$14,676.39
Your down payment is the seller’s equity. You take over the $455,312 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $74,364.63 is due at closing. Uses and sources reconcile at $529,676.39 each. Not a Closing Disclosure.