Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$54,660Cash toward the purchase price.
Closing costs + prepaids$18,773Not just lender fees.
Before credits & paid funds$73,433The complete starting cash picture.
Estimated remaining funds due at closing
$73,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,659.87
Your down payment$54,659.87
Closing costs + prepaids$18,772.76
Total buyer cash needed$73,432.63
Remaining funds due$73,432.63
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,521.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Initial HOA (3 months)$1,215.00
Prepaid interest, first (29 days)$2,580.56
Fees + prepaids$18,772.76
Your down payment is the seller’s equity. You take over the $504,340 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $73,432.63 is due at closing. Uses and sources reconcile at $577,772.76 each. Not a Closing Disclosure.