Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$50,603Cash toward the purchase price.
Closing costs + prepaids$17,491Not just lender fees.
Before credits & paid funds$68,094The complete starting cash picture.
Estimated remaining funds due at closing
$68,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,603.30
Your down payment$50,603.30
Closing costs + prepaids$17,490.92
Total buyer cash needed$68,094.22
Remaining funds due$68,094.22
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,646.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$647.00
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$2,720.44
Fees + prepaids$17,490.92
Your down payment is the seller’s equity. You take over the $529,297 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $68,094.22 is due at closing. Uses and sources reconcile at $597,390.92 each. Not a Closing Disclosure.