Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,080Cash toward the purchase price.
Closing costs + prepaids$19,011Not just lender fees.
Before credits & paid funds$48,090The complete starting cash picture.
Estimated remaining funds due at closing
$48,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,079.58
Your down payment$29,079.58
Closing costs + prepaids$19,010.79
Total buyer cash needed$48,090.38
Remaining funds due$48,090.38
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,704.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.00
Initial HOA (3 months)$1,242.00
Prepaid interest, first (25 days)$2,471.19
Fees + prepaids$19,010.79
Your down payment is the seller’s equity. You take over the $540,920 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $48,090.38 is due at closing. Uses and sources reconcile at $589,010.79 each. Not a Closing Disclosure.