Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,152Cash toward the purchase price.
Closing costs + prepaids$20,166Not just lender fees.
Before credits & paid funds$65,318The complete starting cash picture.
Estimated remaining funds due at closing
$65,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,152.40
Your down payment$45,152.40
Closing costs + prepaids$20,165.68
Total buyer cash needed$65,318.07
Remaining funds due$65,318.07
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,669.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,447.50
Initial HOA (3 months)$2,853.00
Prepaid interest, first (25 days)$1,937.94
Fees + prepaids$20,165.68
Your down payment is the seller’s equity. You take over the $533,848 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $65,318.07 is due at closing. Uses and sources reconcile at $599,165.68 each. Not a Closing Disclosure.