Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$47,736Cash toward the purchase price.
Closing costs + prepaids$19,033Not just lender fees.
Before credits & paid funds$66,769The complete starting cash picture.
Estimated remaining funds due at closing
$66,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,736.08
Your down payment$47,736.08
Closing costs + prepaids$19,033.19
Total buyer cash needed$66,769.27
Remaining funds due$66,769.27
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,686.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,258.25
Prepaid interest, first (23 days)$1,770.62
Fees + prepaids$19,033.19
Your down payment is the seller’s equity. You take over the $537,264 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $66,769.27 is due at closing. Uses and sources reconcile at $604,033.19 each. Not a Closing Disclosure.