Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,666Cash toward the purchase price.
Closing costs + prepaids$15,740Not just lender fees.
Before credits & paid funds$59,407The complete starting cash picture.
Estimated remaining funds due at closing
$59,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,666.12
Your down payment$43,666.12
Closing costs + prepaids$15,740.39
Total buyer cash needed$59,406.51
Remaining funds due$59,406.51
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%)$5,234.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,398.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$313.75
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$2,100.97
Fees + prepaids$15,740.39
Your down payment is the seller’s equity. You take over the $479,734 balance, so the rest of the $523,400 price is paid at closing. A second mortgage can cover part of it. $59,406.51 is due at closing. Uses and sources reconcile at $539,140.39 each. Not a Closing Disclosure.