Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$61,979Cash toward the purchase price.
Closing costs + prepaids$17,854Not just lender fees.
Before credits & paid funds$79,834The complete starting cash picture.
Estimated remaining funds due at closing
$79,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,979.10
Your down payment$61,979.10
Closing costs + prepaids$17,854.47
Total buyer cash needed$79,833.58
Remaining funds due$79,833.58
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,665.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,563.50
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$2,036.87
Fees + prepaids$17,854.47
Your down payment is the seller’s equity. You take over the $533,021 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $79,833.58 is due at closing. Uses and sources reconcile at $612,854.47 each. Not a Closing Disclosure.