Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$43,530Cash toward the purchase price.
Closing costs + prepaids$15,677Not just lender fees.
Before credits & paid funds$59,207The complete starting cash picture.
Estimated remaining funds due at closing
$59,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,529.88
Your down payment$43,529.88
Closing costs + prepaids$15,676.91
Total buyer cash needed$59,206.79
Remaining funds due$59,206.79
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,682.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.00
Initial HOA (3 months)$180.00
Prepaid interest, first (9 days)$850.56
Fees + prepaids$15,676.91
Your down payment is the seller’s equity. You take over the $536,470 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $59,206.79 is due at closing. Uses and sources reconcile at $595,676.91 each. Not a Closing Disclosure.