Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,713Cash toward the purchase price.
Closing costs + prepaids$19,055Not just lender fees.
Before credits & paid funds$62,768The complete starting cash picture.
Estimated remaining funds due at closing
$62,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,712.85
Your down payment$43,712.85
Closing costs + prepaids$19,055.33
Total buyer cash needed$62,768.18
Remaining funds due$62,768.18
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,655.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.25
Initial HOA (3 months)$1,140.00
Prepaid interest, first (27 days)$2,605.15
Fees + prepaids$19,055.33
Your down payment is the seller’s equity. You take over the $531,187 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $62,768.18 is due at closing. Uses and sources reconcile at $593,955.33 each. Not a Closing Disclosure.