Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,397Cash toward the purchase price.
Closing costs + prepaids$16,046Not just lender fees.
Before credits & paid funds$59,443The complete starting cash picture.
Estimated remaining funds due at closing
$59,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,396.99
Your down payment$43,396.99
Closing costs + prepaids$16,045.51
Total buyer cash needed$59,442.50
Remaining funds due$59,442.50
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,482.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$374.00
Initial HOA (3 months)$108.00
Prepaid interest, first (26 days)$2,214.00
Fees + prepaids$16,045.51
Your down payment is the seller’s equity. You take over the $496,503 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $59,442.50 is due at closing. Uses and sources reconcile at $555,945.51 each. Not a Closing Disclosure.