Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,911Cash toward the purchase price.
Closing costs + prepaids$16,296Not just lender fees.
Before credits & paid funds$74,207The complete starting cash picture.
Estimated remaining funds due at closing
$74,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,910.74
Your down payment$57,910.74
Closing costs + prepaids$16,295.79
Total buyer cash needed$74,206.53
Remaining funds due$74,206.53
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,610.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (26 days)$2,417.34
Fees + prepaids$16,295.79
Your down payment is the seller’s equity. You take over the $522,089 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $74,206.53 is due at closing. Uses and sources reconcile at $596,295.79 each. Not a Closing Disclosure.