Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$49,099Cash toward the purchase price.
Closing costs + prepaids$15,272Not just lender fees.
Before credits & paid funds$64,370The complete starting cash picture.
Estimated remaining funds due at closing
$64,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,098.51
Your down payment$49,098.51
Closing costs + prepaids$15,271.77
Total buyer cash needed$64,370.28
Remaining funds due$64,370.28
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%)$5,689.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,599.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$682.75
Initial HOA (3 months)$336.00
Prepaid interest, first (10 days)$497.02
Fees + prepaids$15,271.77
Your down payment is the seller’s equity. You take over the $519,801 balance, so the rest of the $568,900 price is paid at closing. A second mortgage can cover part of it. $64,370.28 is due at closing. Uses and sources reconcile at $584,171.77 each. Not a Closing Disclosure.