Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,869Cash toward the purchase price.
Closing costs + prepaids$19,075Not just lender fees.
Before credits & paid funds$31,944The complete starting cash picture.
Estimated remaining funds due at closing
$31,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,869.22
Your down payment$12,869.22
Closing costs + prepaids$19,074.68
Total buyer cash needed$31,943.90
Remaining funds due$31,943.90
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,830.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,447.50
Initial HOA (3 months)$894.00
Prepaid interest, first (25 days)$2,644.53
Fees + prepaids$19,074.68
Your down payment is the seller’s equity. You take over the $566,131 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $31,943.90 is due at closing. Uses and sources reconcile at $598,074.68 each. Not a Closing Disclosure.