Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,701Cash toward the purchase price.
Closing costs + prepaids$17,833Not just lender fees.
Before credits & paid funds$73,533The complete starting cash picture.
Estimated remaining funds due at closing
$73,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,700.60
Your down payment$55,700.60
Closing costs + prepaids$17,832.55
Total buyer cash needed$73,533.15
Remaining funds due$73,533.15
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,696.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,487.50
Initial HOA (3 months)$1,149.00
Prepaid interest, first (24 days)$1,081.55
Fees + prepaids$17,832.55
Your down payment is the seller’s equity. You take over the $539,299 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $73,533.15 is due at closing. Uses and sources reconcile at $612,832.55 each. Not a Closing Disclosure.