Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,530Cash toward the purchase price.
Closing costs + prepaids$17,476Not just lender fees.
Before credits & paid funds$71,006The complete starting cash picture.
Estimated remaining funds due at closing
$71,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,529.88
Your down payment$53,529.88
Closing costs + prepaids$17,475.79
Total buyer cash needed$71,005.67
Remaining funds due$71,005.67
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,682.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.25
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$2,646.19
Fees + prepaids$17,475.79
Your down payment is the seller’s equity. You take over the $536,470 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $71,005.67 is due at closing. Uses and sources reconcile at $607,475.79 each. Not a Closing Disclosure.