Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$41,468Cash toward the purchase price.
Closing costs + prepaids$15,293Not just lender fees.
Before credits & paid funds$56,760The complete starting cash picture.
Estimated remaining funds due at closing
$56,760No 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$15,292.60
Total buyer cash needed$56,760.25
Remaining funds due$56,760.25
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 (9 days)$805.43
Fees + prepaids$15,292.60
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. $56,760.25 is due at closing. Uses and sources reconcile at $572,792.60 each. Not a Closing Disclosure.