Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$41,510Cash toward the purchase price.
Closing costs + prepaids$16,001Not just lender fees.
Before credits & paid funds$57,511The complete starting cash picture.
Estimated remaining funds due at closing
$57,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,509.96
Your down payment$41,509.96
Closing costs + prepaids$16,001.37
Total buyer cash needed$57,511.33
Remaining funds due$57,511.33
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%)$5,624.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,604.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$675.00
Initial HOA (3 months)$450.00
Prepaid interest, first (12 days)$1,178.43
Fees + prepaids$16,001.37
Your down payment is the seller’s equity. You take over the $520,989 balance, so the rest of the $562,499 price is paid at closing. A second mortgage can cover part of it. $57,511.33 is due at closing. Uses and sources reconcile at $578,500.37 each. Not a Closing Disclosure.