Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,763Cash toward the purchase price.
Closing costs + prepaids$16,890Not just lender fees.
Before credits & paid funds$47,653The complete starting cash picture.
Estimated remaining funds due at closing
$47,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,762.72
Your down payment$30,762.72
Closing costs + prepaids$16,890.30
Total buyer cash needed$47,653.03
Remaining funds due$47,653.03
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%)$5,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,820.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,487.25
Prepaid interest, first (26 days)$1,165.37
Fees + prepaids$16,890.30
Your down payment is the seller’s equity. You take over the $564,137 balance, so the rest of the $594,900 price is paid at closing. A second mortgage can cover part of it. $47,653.03 is due at closing. Uses and sources reconcile at $611,790.30 each. Not a Closing Disclosure.