Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$61,702Cash toward the purchase price.
Closing costs + prepaids$16,734Not just lender fees.
Before credits & paid funds$78,435The complete starting cash picture.
Estimated remaining funds due at closing
$78,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,701.60
Your down payment$61,701.60
Closing costs + prepaids$16,733.80
Total buyer cash needed$78,435.40
Remaining funds due$78,435.40
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,490.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,340.75
Initial HOA (3 months)$58.74
Prepaid interest, first (18 days)$1,776.32
Fees + prepaids$16,733.80
Your down payment is the seller’s equity. You take over the $498,198 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $78,435.40 is due at closing. Uses and sources reconcile at $576,633.80 each. Not a Closing Disclosure.