Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$59,558Cash toward the purchase price.
Closing costs + prepaids$16,542Not just lender fees.
Before credits & paid funds$76,099The complete starting cash picture.
Estimated remaining funds due at closing
$76,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,557.59
Your down payment$59,557.59
Closing costs + prepaids$16,541.57
Total buyer cash needed$76,099.16
Remaining funds due$76,099.16
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%)$5,349.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,376.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,234.50
Initial HOA (3 months)$210.00
Prepaid interest, first (22 days)$1,902.61
Fees + prepaids$16,541.57
Your down payment is the seller’s equity. You take over the $475,392 balance, so the rest of the $534,950 price is paid at closing. A second mortgage can cover part of it. $76,099.16 is due at closing. Uses and sources reconcile at $551,491.57 each. Not a Closing Disclosure.