Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$55,408Cash toward the purchase price.
Closing costs + prepaids$16,552Not just lender fees.
Before credits & paid funds$71,960The complete starting cash picture.
Estimated remaining funds due at closing
$71,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,408.40
Your down payment$55,408.40
Closing costs + prepaids$16,551.84
Total buyer cash needed$71,960.24
Remaining funds due$71,960.24
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,597.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.25
Initial HOA (3 months)$114.00
Prepaid interest, first (22 days)$1,963.63
Fees + prepaids$16,551.84
Your down payment is the seller’s equity. You take over the $519,592 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $71,960.24 is due at closing. Uses and sources reconcile at $591,551.84 each. Not a Closing Disclosure.