Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,343Cash toward the purchase price.
Closing costs + prepaids$18,997Not just lender fees.
Before credits & paid funds$67,339The complete starting cash picture.
Estimated remaining funds due at closing
$67,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,342.78
Your down payment$48,342.78
Closing costs + prepaids$18,996.66
Total buyer cash needed$67,339.44
Remaining funds due$67,339.44
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,633.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$900.00
Prepaid interest, first (28 days)$2,807.88
Fees + prepaids$18,996.66
Your down payment is the seller’s equity. You take over the $526,657 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $67,339.44 is due at closing. Uses and sources reconcile at $593,996.66 each. Not a Closing Disclosure.