Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,012Cash toward the purchase price.
Closing costs + prepaids$17,204Not just lender fees.
Before credits & paid funds$73,215The complete starting cash picture.
Estimated remaining funds due at closing
$73,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,011.91
Your down payment$56,011.91
Closing costs + prepaids$17,203.58
Total buyer cash needed$73,215.49
Remaining funds due$73,215.49
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,564.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,422.50
Prepaid interest, first (28 days)$2,058.14
Fees + prepaids$17,203.58
Your down payment is the seller’s equity. You take over the $512,988 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $73,215.49 is due at closing. Uses and sources reconcile at $586,203.58 each. Not a Closing Disclosure.