Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$59,714Cash toward the purchase price.
Closing costs + prepaids$17,388Not just lender fees.
Before credits & paid funds$77,102The complete starting cash picture.
Estimated remaining funds due at closing
$77,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,714.04
Your down payment$59,714.04
Closing costs + prepaids$17,387.99
Total buyer cash needed$77,102.02
Remaining funds due$77,102.02
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%)$5,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,576.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,223.25
Initial HOA (3 months)$600.00
Prepaid interest, first (22 days)$1,770.32
Fees + prepaids$17,387.99
Your down payment is the seller’s equity. You take over the $515,285 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $77,102.02 is due at closing. Uses and sources reconcile at $592,386.99 each. Not a Closing Disclosure.