Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$38,893Cash toward the purchase price.
Closing costs + prepaids$18,579Not just lender fees.
Before credits & paid funds$57,473The complete starting cash picture.
Estimated remaining funds due at closing
$57,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,893.24
Your down payment$38,893.24
Closing costs + prepaids$18,579.38
Total buyer cash needed$57,472.62
Remaining funds due$57,472.62
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%)$5,899.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,755.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,475.00
Prepaid interest, first (29 days)$2,981.59
Fees + prepaids$18,579.38
Your down payment is the seller’s equity. You take over the $551,057 balance, so the rest of the $589,950 price is paid at closing. A second mortgage can cover part of it. $57,472.62 is due at closing. Uses and sources reconcile at $608,529.38 each. Not a Closing Disclosure.