Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$44,296Cash toward the purchase price.
Closing costs + prepaids$15,348Not just lender fees.
Before credits & paid funds$59,645The complete starting cash picture.
Estimated remaining funds due at closing
$59,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,296.40
Your down payment$44,296.40
Closing costs + prepaids$15,348.20
Total buyer cash needed$59,644.59
Remaining funds due$59,644.59
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,603.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.00
Prepaid interest, first (10 days)$948.68
Fees + prepaids$15,348.20
Your down payment is the seller’s equity. You take over the $520,704 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $59,644.59 is due at closing. Uses and sources reconcile at $580,348.20 each. Not a Closing Disclosure.