Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$27,269Cash toward the purchase price.
Closing costs + prepaids$14,930Not just lender fees.
Before credits & paid funds$42,199The complete starting cash picture.
Estimated remaining funds due at closing
$42,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,269.22
Your down payment$27,269.22
Closing costs + prepaids$14,929.96
Total buyer cash needed$42,199.18
Remaining funds due$42,199.18
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,663.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.00
Prepaid interest, first (6 days)$526.31
Fees + prepaids$14,929.96
Your down payment is the seller’s equity. You take over the $532,731 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $42,199.18 is due at closing. Uses and sources reconcile at $574,929.96 each. Not a Closing Disclosure.