Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$45,906Cash toward the purchase price.
Closing costs + prepaids$19,842Not just lender fees.
Before credits & paid funds$65,748The complete starting cash picture.
Estimated remaining funds due at closing
$65,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,905.54
Your down payment$45,905.54
Closing costs + prepaids$19,842.14
Total buyer cash needed$65,747.68
Remaining funds due$65,747.68
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,770.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$1,044.00
Prepaid interest, first (29 days)$3,059.66
Fees + prepaids$19,842.14
Your down payment is the seller’s equity. You take over the $554,094 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $65,747.68 is due at closing. Uses and sources reconcile at $619,842.14 each. Not a Closing Disclosure.