Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$69,441Cash toward the purchase price.
Closing costs + prepaids$15,275Not just lender fees.
Before credits & paid funds$84,716The complete starting cash picture.
Estimated remaining funds due at closing
$84,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,441.10
Your down payment$69,441.10
Closing costs + prepaids$15,275.16
Total buyer cash needed$84,716.26
Remaining funds due$84,716.26
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%)$2,527.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Prepaid interest, first (10 days)$839.37
Fees + prepaids$15,275.16
Your down payment is the seller’s equity. You take over the $505,559 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $84,716.26 is due at closing. Uses and sources reconcile at $590,275.16 each. Not a Closing Disclosure.