Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$53,103Cash toward the purchase price.
Closing costs + prepaids$15,957Not just lender fees.
Before credits & paid funds$69,060The complete starting cash picture.
Estimated remaining funds due at closing
$69,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,103.01
Your down payment$53,103.01
Closing costs + prepaids$15,956.58
Total buyer cash needed$69,059.59
Remaining funds due$69,059.59
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%)$5,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,569.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,243.25
Initial HOA (3 months)$20.01
Prepaid interest, first (18 days)$985.84
Fees + prepaids$15,956.58
Your down payment is the seller’s equity. You take over the $513,897 balance, so the rest of the $567,000 price is paid at closing. A second mortgage can cover part of it. $69,059.59 is due at closing. Uses and sources reconcile at $582,956.58 each. Not a Closing Disclosure.