Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,986Cash toward the purchase price.
Closing costs + prepaids$16,974Not just lender fees.
Before credits & paid funds$60,960The complete starting cash picture.
Estimated remaining funds due at closing
$60,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,986.02
Your down payment$43,986.02
Closing costs + prepaids$16,973.85
Total buyer cash needed$60,959.87
Remaining funds due$60,959.87
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,605.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$734.50
Prepaid interest, first (26 days)$2,516.28
Fees + prepaids$16,973.85
Your down payment is the seller’s equity. You take over the $521,014 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $60,959.87 is due at closing. Uses and sources reconcile at $581,973.85 each. Not a Closing Disclosure.