Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$50,212Cash toward the purchase price.
Closing costs + prepaids$17,105Not just lender fees.
Before credits & paid funds$67,317The complete starting cash picture.
Estimated remaining funds due at closing
$67,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,211.99
Your down payment$50,211.99
Closing costs + prepaids$17,105.49
Total buyer cash needed$67,317.48
Remaining funds due$67,317.48
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,673.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$679.75
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$2,313.80
Fees + prepaids$17,105.49
Your down payment is the seller’s equity. You take over the $534,788 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $67,317.48 is due at closing. Uses and sources reconcile at $602,105.49 each. Not a Closing Disclosure.