Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,065Cash toward the purchase price.
Closing costs + prepaids$16,468Not just lender fees.
Before credits & paid funds$21,533The complete starting cash picture.
Estimated remaining funds due at closing
$21,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,065.10
Your down payment$5,065.10
Closing costs + prepaids$16,467.55
Total buyer cash needed$21,532.66
Remaining funds due$21,532.66
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,824.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (26 days)$2,474.88
Fees + prepaids$16,467.55
Your down payment is the seller’s equity. You take over the $564,935 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $21,532.66 is due at closing. Uses and sources reconcile at $586,467.55 each. Not a Closing Disclosure.