Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,440Cash toward the purchase price.
Closing costs + prepaids$17,829Not just lender fees.
Before credits & paid funds$68,269The complete starting cash picture.
Estimated remaining funds due at closing
$68,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,439.77
Your down payment$50,439.77
Closing costs + prepaids$17,829.31
Total buyer cash needed$68,269.08
Remaining funds due$68,269.08
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,722.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$843.25
Initial HOA (3 months)$199.74
Prepaid interest, first (26 days)$2,645.52
Fees + prepaids$17,829.31
Your down payment is the seller’s equity. You take over the $544,560 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $68,269.08 is due at closing. Uses and sources reconcile at $612,829.31 each. Not a Closing Disclosure.