Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$62,913Cash toward the purchase price.
Closing costs + prepaids$16,166Not just lender fees.
Before credits & paid funds$79,079The complete starting cash picture.
Estimated remaining funds due at closing
$79,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,912.79
Your down payment$62,912.79
Closing costs + prepaids$16,166.50
Total buyer cash needed$79,079.29
Remaining funds due$79,079.29
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,660.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.00
Initial HOA (3 months)$237.00
Prepaid interest, first (12 days)$1,137.06
Fees + prepaids$16,166.50
Your down payment is the seller’s equity. You take over the $532,087 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $79,079.29 is due at closing. Uses and sources reconcile at $611,166.50 each. Not a Closing Disclosure.