Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$56,564Cash toward the purchase price.
Closing costs + prepaids$16,042Not just lender fees.
Before credits & paid funds$72,605The complete starting cash picture.
Estimated remaining funds due at closing
$72,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,563.50
Your down payment$56,563.50
Closing costs + prepaids$16,041.56
Total buyer cash needed$72,605.06
Remaining funds due$72,605.06
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,716.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$50.01
Prepaid interest, first (12 days)$1,087.86
Fees + prepaids$16,041.56
Your down payment is the seller’s equity. You take over the $543,336 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $72,605.06 is due at closing. Uses and sources reconcile at $615,941.56 each. Not a Closing Disclosure.