Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,798Cash toward the purchase price.
Closing costs + prepaids$17,452Not just lender fees.
Before credits & paid funds$69,250The complete starting cash picture.
Estimated remaining funds due at closing
$69,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,797.76
Your down payment$51,797.76
Closing costs + prepaids$17,451.93
Total buyer cash needed$69,249.69
Remaining funds due$69,249.69
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,536.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Prepaid interest, first (26 days)$2,460.42
Fees + prepaids$17,451.93
Your down payment is the seller’s equity. You take over the $507,202 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $69,249.69 is due at closing. Uses and sources reconcile at $576,451.93 each. Not a Closing Disclosure.