Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$47,645Cash toward the purchase price.
Closing costs + prepaids$17,136Not just lender fees.
Before credits & paid funds$64,781The complete starting cash picture.
Estimated remaining funds due at closing
$64,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,645.27
Your down payment$47,645.27
Closing costs + prepaids$17,135.79
Total buyer cash needed$64,781.06
Remaining funds due$64,781.06
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,711.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$682.00
Initial HOA (3 months)$56.01
Prepaid interest, first (24 days)$2,318.01
Fees + prepaids$17,135.79
Your down payment is the seller’s equity. You take over the $542,355 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $64,781.06 is due at closing. Uses and sources reconcile at $607,135.79 each. Not a Closing Disclosure.