Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$48,238Cash toward the purchase price.
Closing costs + prepaids$15,798Not just lender fees.
Before credits & paid funds$64,036The complete starting cash picture.
Estimated remaining funds due at closing
$64,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,238.17
Your down payment$48,238.17
Closing costs + prepaids$15,797.94
Total buyer cash needed$64,036.11
Remaining funds due$64,036.11
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,603.81
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)$426.00
Prepaid interest, first (10 days)$927.38
Fees + prepaids$15,797.94
Your down payment is the seller’s equity. You take over the $520,762 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $64,036.11 is due at closing. Uses and sources reconcile at $584,797.94 each. Not a Closing Disclosure.