Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,080Cash toward the purchase price.
Closing costs + prepaids$19,051Not just lender fees.
Before credits & paid funds$63,131The complete starting cash picture.
Estimated remaining funds due at closing
$63,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,079.94
Your down payment$44,079.94
Closing costs + prepaids$19,051.30
Total buyer cash needed$63,131.24
Remaining funds due$63,131.24
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,574.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,225.00
Prepaid interest, first (25 days)$2,193.70
Fees + prepaids$19,051.30
Your down payment is the seller’s equity. You take over the $514,920 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $63,131.24 is due at closing. Uses and sources reconcile at $578,051.30 each. Not a Closing Disclosure.