Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,520Cash toward the purchase price.
Closing costs + prepaids$16,351Not just lender fees.
Before credits & paid funds$60,871The complete starting cash picture.
Estimated remaining funds due at closing
$60,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,520.40
Your down payment$44,520.40
Closing costs + prepaids$16,350.77
Total buyer cash needed$60,871.17
Remaining funds due$60,871.17
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%)$2,627.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.50
Initial HOA (3 months)$267.00
Prepaid interest, first (18 days)$1,725.88
Fees + prepaids$16,350.77
Your down payment is the seller’s equity. You take over the $525,480 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $60,871.17 is due at closing. Uses and sources reconcile at $586,350.77 each. Not a Closing Disclosure.