Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,133Cash toward the purchase price.
Closing costs + prepaids$16,708Not just lender fees.
Before credits & paid funds$81,841The complete starting cash picture.
Estimated remaining funds due at closing
$81,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,133.28
Your down payment$65,133.28
Closing costs + prepaids$16,707.93
Total buyer cash needed$81,841.21
Remaining funds due$81,841.21
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%)$5,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,489.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$349.75
Initial HOA (3 months)$90.00
Prepaid interest, first (31 days)$2,680.84
Fees + prepaids$16,707.93
Your down payment is the seller’s equity. You take over the $497,867 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $81,841.21 is due at closing. Uses and sources reconcile at $579,707.93 each. Not a Closing Disclosure.