Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,868Cash toward the purchase price.
Closing costs + prepaids$16,115Not just lender fees.
Before credits & paid funds$62,983The complete starting cash picture.
Estimated remaining funds due at closing
$62,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,867.97
Your down payment$46,867.97
Closing costs + prepaids$16,114.77
Total buyer cash needed$62,982.75
Remaining funds due$62,982.75
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,565.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$716.50
Prepaid interest, first (24 days)$1,764.61
Fees + prepaids$16,114.77
Your down payment is the seller’s equity. You take over the $513,132 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $62,982.75 is due at closing. Uses and sources reconcile at $576,114.77 each. Not a Closing Disclosure.