Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$48,528Cash toward the purchase price.
Closing costs + prepaids$15,555Not just lender fees.
Before credits & paid funds$64,082The complete starting cash picture.
Estimated remaining funds due at closing
$64,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,527.63
Your down payment$48,527.63
Closing costs + prepaids$15,554.82
Total buyer cash needed$64,082.45
Remaining funds due$64,082.45
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,607.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$640.25
Initial HOA (3 months)$390.00
Prepaid interest, first (19 days)$749.21
Fees + prepaids$15,554.82
Your down payment is the seller’s equity. You take over the $521,472 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $64,082.45 is due at closing. Uses and sources reconcile at $585,554.82 each. Not a Closing Disclosure.