Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,907Cash toward the purchase price.
Closing costs + prepaids$18,197Not just lender fees.
Before credits & paid funds$46,103The complete starting cash picture.
Estimated remaining funds due at closing
$46,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,906.54
Your down payment$27,906.54
Closing costs + prepaids$18,196.68
Total buyer cash needed$46,103.21
Remaining funds due$46,103.21
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,785.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,613.00
Prepaid interest, first (25 days)$2,480.21
Fees + prepaids$18,196.68
Your down payment is the seller’s equity. You take over the $557,093 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $46,103.21 is due at closing. Uses and sources reconcile at $603,196.68 each. Not a Closing Disclosure.