Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$59,565Cash toward the purchase price.
Closing costs + prepaids$17,563Not just lender fees.
Before credits & paid funds$77,128The complete starting cash picture.
Estimated remaining funds due at closing
$77,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,565.39
Your down payment$59,565.39
Closing costs + prepaids$17,562.77
Total buyer cash needed$77,128.16
Remaining funds due$77,128.16
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%)$2,577.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,552.50
Prepaid interest, first (23 days)$2,215.10
Fees + prepaids$17,562.77
Your down payment is the seller’s equity. You take over the $515,435 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $77,128.16 is due at closing. Uses and sources reconcile at $592,562.77 each. Not a Closing Disclosure.