Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,082Cash toward the purchase price.
Closing costs + prepaids$17,755Not just lender fees.
Before credits & paid funds$62,837The complete starting cash picture.
Estimated remaining funds due at closing
$62,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,081.82
Your down payment$45,081.82
Closing costs + prepaids$17,755.50
Total buyer cash needed$62,837.31
Remaining funds due$62,837.31
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,599.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$749.50
Initial HOA (3 months)$354.00
Prepaid interest, first (31 days)$2,935.90
Fees + prepaids$17,755.50
Your down payment is the seller’s equity. You take over the $519,818 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $62,837.31 is due at closing. Uses and sources reconcile at $582,655.50 each. Not a Closing Disclosure.