Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,323Cash toward the purchase price.
Closing costs + prepaids$19,355Not just lender fees.
Before credits & paid funds$32,679The complete starting cash picture.
Estimated remaining funds due at closing
$32,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,323.49
Your down payment$13,323.49
Closing costs + prepaids$19,355.06
Total buyer cash needed$32,678.55
Remaining funds due$32,678.55
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,883.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,475.00
Initial HOA (3 months)$690.00
Prepaid interest, first (25 days)$2,938.68
Fees + prepaids$19,355.06
Your down payment is the seller’s equity. You take over the $576,677 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $32,678.55 is due at closing. Uses and sources reconcile at $609,355.06 each. Not a Closing Disclosure.