Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,465Cash toward the purchase price.
Closing costs + prepaids$16,221Not just lender fees.
Before credits & paid funds$68,686The complete starting cash picture.
Estimated remaining funds due at closing
$68,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,464.93
Your down payment$52,464.93
Closing costs + prepaids$16,220.57
Total buyer cash needed$68,685.50
Remaining funds due$68,685.50
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%)$2,612.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$751.25
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$1,518.64
Fees + prepaids$16,220.57
Your down payment is the seller’s equity. You take over the $522,535 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $68,685.50 is due at closing. Uses and sources reconcile at $591,220.57 each. Not a Closing Disclosure.