Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$4,721Cash toward the purchase price.
Closing costs + prepaids$19,000Not just lender fees.
Before credits & paid funds$23,720The complete starting cash picture.
Estimated remaining funds due at closing
$23,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,720.86
Your down payment$4,720.86
Closing costs + prepaids$18,999.56
Total buyer cash needed$23,720.42
Remaining funds due$23,720.42
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,971.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Prepaid interest, first (28 days)$3,072.67
Fees + prepaids$18,999.56
Your down payment is the seller’s equity. You take over the $594,279 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $23,720.42 is due at closing. Uses and sources reconcile at $617,999.56 each. Not a Closing Disclosure.