Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$50,883Cash toward the purchase price.
Closing costs + prepaids$16,857Not just lender fees.
Before credits & paid funds$67,740The complete starting cash picture.
Estimated remaining funds due at closing
$67,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,882.93
Your down payment$50,882.93
Closing costs + prepaids$16,857.28
Total buyer cash needed$67,740.21
Remaining funds due$67,740.21
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%)$5,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,610.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,140.25
Initial HOA (3 months)$165.00
Prepaid interest, first (22 days)$1,743.44
Fees + prepaids$16,857.28
Your down payment is the seller’s equity. You take over the $522,117 balance, so the rest of the $573,000 price is paid at closing. A second mortgage can cover part of it. $67,740.21 is due at closing. Uses and sources reconcile at $589,857.28 each. Not a Closing Disclosure.