Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$65,019Cash toward the purchase price.
Closing costs + prepaids$16,474Not just lender fees.
Before credits & paid funds$81,493The complete starting cash picture.
Estimated remaining funds due at closing
$81,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,019.19
Your down payment$65,019.19
Closing costs + prepaids$16,473.85
Total buyer cash needed$81,493.04
Remaining funds due$81,493.04
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,474.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,043.25
Initial HOA (3 months)$96.51
Prepaid interest, first (22 days)$1,792.69
Fees + prepaids$16,473.85
Your down payment is the seller’s equity. You take over the $494,881 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $81,493.04 is due at closing. Uses and sources reconcile at $576,373.85 each. Not a Closing Disclosure.