Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,564Cash toward the purchase price.
Closing costs + prepaids$18,218Not just lender fees.
Before credits & paid funds$50,783The complete starting cash picture.
Estimated remaining funds due at closing
$50,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,564.08
Your down payment$32,564.08
Closing costs + prepaids$18,218.44
Total buyer cash needed$50,782.52
Remaining funds due$50,782.52
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%)$5,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,737.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,450.00
Prepaid interest, first (28 days)$2,763.27
Fees + prepaids$18,218.44
Your down payment is the seller’s equity. You take over the $547,435 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $50,782.52 is due at closing. Uses and sources reconcile at $598,217.44 each. Not a Closing Disclosure.