Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,253Cash toward the purchase price.
Closing costs + prepaids$16,831Not just lender fees.
Before credits & paid funds$83,084The complete starting cash picture.
Estimated remaining funds due at closing
$83,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,253.03
Your down payment$66,253.03
Closing costs + prepaids$16,830.52
Total buyer cash needed$83,083.55
Remaining funds due$83,083.55
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%)$2,543.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$698.00
Initial HOA (3 months)$287.01
Prepaid interest, first (23 days)$2,083.77
Fees + prepaids$16,830.52
Your down payment is the seller’s equity. You take over the $508,747 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $83,083.55 is due at closing. Uses and sources reconcile at $591,830.52 each. Not a Closing Disclosure.