Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$40,253Cash toward the purchase price.
Closing costs + prepaids$17,895Not just lender fees.
Before credits & paid funds$58,147The complete starting cash picture.
Estimated remaining funds due at closing
$58,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,252.86
Your down payment$40,252.86
Closing costs + prepaids$17,894.54
Total buyer cash needed$58,147.40
Remaining funds due$58,147.40
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,648.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.00
Prepaid interest, first (26 days)$2,652.80
Fees + prepaids$17,894.54
Your down payment is the seller’s equity. You take over the $529,747 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $58,147.40 is due at closing. Uses and sources reconcile at $587,894.54 each. Not a Closing Disclosure.