Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,197Cash toward the purchase price.
Closing costs + prepaids$18,865Not just lender fees.
Before credits & paid funds$48,063The complete starting cash picture.
Estimated remaining funds due at closing
$48,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,197.29
Your down payment$29,197.29
Closing costs + prepaids$18,865.40
Total buyer cash needed$48,062.69
Remaining funds due$48,062.69
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,779.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,462.50
Initial HOA (3 months)$582.00
Prepaid interest, first (26 days)$2,723.89
Fees + prepaids$18,865.40
Your down payment is the seller’s equity. You take over the $555,803 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $48,062.69 is due at closing. Uses and sources reconcile at $603,865.40 each. Not a Closing Disclosure.