Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,373Cash toward the purchase price.
Closing costs + prepaids$17,571Not just lender fees.
Before credits & paid funds$63,944The complete starting cash picture.
Estimated remaining funds due at closing
$63,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,373.14
Your down payment$46,373.14
Closing costs + prepaids$17,571.00
Total buyer cash needed$63,944.14
Remaining funds due$63,944.14
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,643.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,052.25
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$2,447.61
Fees + prepaids$17,571.00
Your down payment is the seller’s equity. You take over the $528,627 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $63,944.14 is due at closing. Uses and sources reconcile at $592,571.00 each. Not a Closing Disclosure.