Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$50,603Cash toward the purchase price.
Closing costs + prepaids$16,500Not just lender fees.
Before credits & paid funds$67,103The complete starting cash picture.
Estimated remaining funds due at closing
$67,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,603.30
Your down payment$50,603.30
Closing costs + prepaids$16,500.18
Total buyer cash needed$67,103.48
Remaining funds due$67,103.48
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,646.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$725.00
Initial HOA (3 months)$210.00
Prepaid interest, first (17 days)$1,651.70
Fees + prepaids$16,500.18
Your down payment is the seller’s equity. You take over the $529,297 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $67,103.48 is due at closing. Uses and sources reconcile at $596,400.18 each. Not a Closing Disclosure.