Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,236Cash toward the purchase price.
Closing costs + prepaids$18,776Not just lender fees.
Before credits & paid funds$74,011The complete starting cash picture.
Estimated remaining funds due at closing
$74,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,235.87
Your down payment$55,235.87
Closing costs + prepaids$18,775.57
Total buyer cash needed$74,011.44
Remaining funds due$74,011.44
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,623.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,449.75
Initial HOA (3 months)$1,200.00
Prepaid interest, first (24 days)$2,235.50
Fees + prepaids$18,775.57
Your down payment is the seller’s equity. You take over the $524,664 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $74,011.44 is due at closing. Uses and sources reconcile at $598,675.57 each. Not a Closing Disclosure.