Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,520Cash toward the purchase price.
Closing costs + prepaids$16,734Not just lender fees.
Before credits & paid funds$61,255The complete starting cash picture.
Estimated remaining funds due at closing
$61,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,520.40
Your down payment$44,520.40
Closing costs + prepaids$16,734.30
Total buyer cash needed$61,254.70
Remaining funds due$61,254.70
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%)$2,627.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.50
Initial HOA (3 months)$267.00
Prepaid interest, first (22 days)$2,109.40
Fees + prepaids$16,734.30
Your down payment is the seller’s equity. You take over the $525,480 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $61,254.70 is due at closing. Uses and sources reconcile at $586,734.30 each. Not a Closing Disclosure.