Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$20,331Cash toward the purchase price.
Closing costs + prepaids$17,804Not just lender fees.
Before credits & paid funds$38,135The complete starting cash picture.
Estimated remaining funds due at closing
$38,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,331.13
Your down payment$20,331.13
Closing costs + prepaids$17,804.37
Total buyer cash needed$38,135.50
Remaining funds due$38,135.50
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%)$5,798.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,797.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,449.50
Prepaid interest, first (23 days)$2,291.52
Fees + prepaids$17,804.37
Your down payment is the seller’s equity. You take over the $559,469 balance, so the rest of the $579,800 price is paid at closing. A second mortgage can cover part of it. $38,135.50 is due at closing. Uses and sources reconcile at $597,604.37 each. Not a Closing Disclosure.