Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$42,591Cash toward the purchase price.
Closing costs + prepaids$16,465Not just lender fees.
Before credits & paid funds$59,056The complete starting cash picture.
Estimated remaining funds due at closing
$59,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,590.54
Your down payment$42,590.54
Closing costs + prepaids$16,465.28
Total buyer cash needed$59,055.83
Remaining funds due$59,055.83
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%)$5,595.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,584.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$128.50
Initial HOA (3 months)$960.00
Prepaid interest, first (18 days)$1,728.49
Fees + prepaids$16,465.28
Your down payment is the seller’s equity. You take over the $516,959 balance, so the rest of the $559,550 price is paid at closing. A second mortgage can cover part of it. $59,055.83 is due at closing. Uses and sources reconcile at $576,015.28 each. Not a Closing Disclosure.