Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,457Cash toward the purchase price.
Closing costs + prepaids$18,431Not just lender fees.
Before credits & paid funds$67,888The complete starting cash picture.
Estimated remaining funds due at closing
$67,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,457.34
Your down payment$49,457.34
Closing costs + prepaids$18,431.15
Total buyer cash needed$67,888.49
Remaining funds due$67,888.49
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%)$5,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,622.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,802.00
Initial HOA (3 months)$222.00
Prepaid interest, first (27 days)$2,576.44
Fees + prepaids$18,431.15
Your down payment is the seller’s equity. You take over the $524,543 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $67,888.49 is due at closing. Uses and sources reconcile at $592,431.15 each. Not a Closing Disclosure.