Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,726Cash toward the purchase price.
Closing costs + prepaids$16,164Not just lender fees.
Before credits & paid funds$48,890The complete starting cash picture.
Estimated remaining funds due at closing
$48,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,726.32
Your down payment$32,726.32
Closing costs + prepaids$16,163.93
Total buyer cash needed$48,890.25
Remaining funds due$48,890.25
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,731.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$195.25
Prepaid interest, first (23 days)$1,979.31
Fees + prepaids$16,163.93
Your down payment is the seller’s equity. You take over the $546,274 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $48,890.25 is due at closing. Uses and sources reconcile at $595,163.93 each. Not a Closing Disclosure.