Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$35,995Cash toward the purchase price.
Closing costs + prepaids$16,119Not just lender fees.
Before credits & paid funds$52,114The complete starting cash picture.
Estimated remaining funds due at closing
$52,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,994.54
Your down payment$35,994.54
Closing costs + prepaids$16,119.00
Total buyer cash needed$52,113.53
Remaining funds due$52,113.53
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%)$2,619.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$700.00
Initial HOA (3 months)$183.00
Prepaid interest, first (17 days)$1,549.47
Fees + prepaids$16,119.00
Your down payment is the seller’s equity. You take over the $523,905 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $52,113.53 is due at closing. Uses and sources reconcile at $576,019.00 each. Not a Closing Disclosure.