Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$58,244Cash toward the purchase price.
Closing costs + prepaids$15,783Not just lender fees.
Before credits & paid funds$74,027The complete starting cash picture.
Estimated remaining funds due at closing
$74,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,244.26
Your down payment$58,244.26
Closing costs + prepaids$15,782.64
Total buyer cash needed$74,026.90
Remaining funds due$74,026.90
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%)$5,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,578.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$688.75
Initial HOA (3 months)$525.00
Prepaid interest, first (9 days)$782.11
Fees + prepaids$15,782.64
Your down payment is the seller’s equity. You take over the $515,756 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $74,026.90 is due at closing. Uses and sources reconcile at $589,782.64 each. Not a Closing Disclosure.