Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$47,424Cash toward the purchase price.
Closing costs + prepaids$17,164Not just lender fees.
Before credits & paid funds$64,588The complete starting cash picture.
Estimated remaining funds due at closing
$64,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,424.30
Your down payment$47,424.30
Closing costs + prepaids$17,163.55
Total buyer cash needed$64,587.85
Remaining funds due$64,587.85
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,637.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,315.75
Prepaid interest, first (22 days)$1,993.42
Fees + prepaids$17,163.55
Your down payment is the seller’s equity. You take over the $527,476 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $64,587.85 is due at closing. Uses and sources reconcile at $592,063.55 each. Not a Closing Disclosure.