Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$42,878Cash toward the purchase price.
Closing costs + prepaids$15,956Not just lender fees.
Before credits & paid funds$58,835The complete starting cash picture.
Estimated remaining funds due at closing
$58,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,878.29
Your down payment$42,878.29
Closing costs + prepaids$15,956.42
Total buyer cash needed$58,834.71
Remaining funds due$58,834.71
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,660.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$46.26
Prepaid interest, first (22 days)$2,033.05
Fees + prepaids$15,956.42
Your down payment is the seller’s equity. You take over the $532,022 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $58,834.71 is due at closing. Uses and sources reconcile at $590,856.42 each. Not a Closing Disclosure.