Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$61,135Cash toward the purchase price.
Closing costs + prepaids$17,528Not just lender fees.
Before credits & paid funds$78,663The complete starting cash picture.
Estimated remaining funds due at closing
$78,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,135.04
Your down payment$61,135.04
Closing costs + prepaids$17,527.93
Total buyer cash needed$78,662.97
Remaining funds due$78,662.97
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%)$5,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,559.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,702.50
Initial HOA (3 months)$28.50
Prepaid interest, first (24 days)$2,039.61
Fees + prepaids$17,527.93
Your down payment is the seller’s equity. You take over the $511,865 balance, so the rest of the $573,000 price is paid at closing. A second mortgage can cover part of it. $78,662.97 is due at closing. Uses and sources reconcile at $590,527.93 each. Not a Closing Disclosure.