Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$61,709Cash toward the purchase price.
Closing costs + prepaids$17,225Not just lender fees.
Before credits & paid funds$78,934The complete starting cash picture.
Estimated remaining funds due at closing
$78,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,709.06
Your down payment$61,709.06
Closing costs + prepaids$17,224.93
Total buyer cash needed$78,933.99
Remaining funds due$78,933.99
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,636.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$873.00
Initial HOA (3 months)$246.00
Prepaid interest, first (28 days)$2,111.48
Fees + prepaids$17,224.93
Your down payment is the seller’s equity. You take over the $527,291 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $78,933.99 is due at closing. Uses and sources reconcile at $606,224.93 each. Not a Closing Disclosure.