Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$64,326Cash toward the purchase price.
Closing costs + prepaids$18,136Not just lender fees.
Before credits & paid funds$82,462The complete starting cash picture.
Estimated remaining funds due at closing
$82,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,326.32
Your down payment$64,326.32
Closing costs + prepaids$18,135.52
Total buyer cash needed$82,461.84
Remaining funds due$82,461.84
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,503.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,432.00
Initial HOA (3 months)$18.00
Prepaid interest, first (24 days)$2,064.15
Fees + prepaids$18,135.52
Your down payment is the seller’s equity. You take over the $500,674 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $82,461.84 is due at closing. Uses and sources reconcile at $583,135.52 each. Not a Closing Disclosure.