Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$41,468Cash toward the purchase price.
Closing costs + prepaids$16,098Not just lender fees.
Before credits & paid funds$57,566The complete starting cash picture.
Estimated remaining funds due at closing
$57,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,467.66
Your down payment$41,467.66
Closing costs + prepaids$16,098.03
Total buyer cash needed$57,565.69
Remaining funds due$57,565.69
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%)$5,575.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,580.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.00
Initial HOA (3 months)$195.00
Prepaid interest, first (18 days)$1,610.87
Fees + prepaids$16,098.03
Your down payment is the seller’s equity. You take over the $516,032 balance, so the rest of the $557,500 price is paid at closing. A second mortgage can cover part of it. $57,565.69 is due at closing. Uses and sources reconcile at $573,598.03 each. Not a Closing Disclosure.