Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$16,462Cash toward the purchase price.
Closing costs + prepaids$19,058Not just lender fees.
Before credits & paid funds$35,520The complete starting cash picture.
Estimated remaining funds due at closing
$35,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,462.19
Your down payment$16,462.19
Closing costs + prepaids$19,057.90
Total buyer cash needed$35,520.09
Remaining funds due$35,520.09
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%)$2,912.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$2,904.71
Fees + prepaids$19,057.90
Your down payment is the seller’s equity. You take over the $582,538 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $35,520.09 is due at closing. Uses and sources reconcile at $618,057.90 each. Not a Closing Disclosure.