Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,607Cash toward the purchase price.
Closing costs + prepaids$17,685Not just lender fees.
Before credits & paid funds$63,291The complete starting cash picture.
Estimated remaining funds due at closing
$63,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,606.58
Your down payment$45,606.58
Closing costs + prepaids$17,684.51
Total buyer cash needed$63,291.09
Remaining funds due$63,291.09
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%)$2,571.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.00
Prepaid interest, first (27 days)$2,644.55
Fees + prepaids$17,684.51
Your down payment is the seller’s equity. You take over the $514,393 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $63,291.09 is due at closing. Uses and sources reconcile at $577,684.51 each. Not a Closing Disclosure.