Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$45,689Cash toward the purchase price.
Closing costs + prepaids$16,843Not just lender fees.
Before credits & paid funds$62,532The complete starting cash picture.
Estimated remaining funds due at closing
$62,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,689.00
Your down payment$45,689.00
Closing costs + prepaids$16,842.99
Total buyer cash needed$62,531.99
Remaining funds due$62,531.99
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,646.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$330.00
Initial HOA (3 months)$1,017.00
Prepaid interest, first (20 days)$1,631.44
Fees + prepaids$16,842.99
Your down payment is the seller’s equity. You take over the $529,311 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $62,531.99 is due at closing. Uses and sources reconcile at $591,842.99 each. Not a Closing Disclosure.