Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,060Cash toward the purchase price.
Closing costs + prepaids$16,895Not just lender fees.
Before credits & paid funds$61,954The complete starting cash picture.
Estimated remaining funds due at closing
$61,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,059.57
Your down payment$45,059.57
Closing costs + prepaids$16,894.52
Total buyer cash needed$61,954.10
Remaining funds due$61,954.10
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,624.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$144.75
Initial HOA (3 months)$363.99
Prepaid interest, first (26 days)$2,594.58
Fees + prepaids$16,894.52
Your down payment is the seller’s equity. You take over the $524,840 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $61,954.10 is due at closing. Uses and sources reconcile at $586,794.52 each. Not a Closing Disclosure.