Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,547Cash toward the purchase price.
Closing costs + prepaids$19,138Not just lender fees.
Before credits & paid funds$45,685The complete starting cash picture.
Estimated remaining funds due at closing
$45,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,546.89
Your down payment$26,546.89
Closing costs + prepaids$19,138.06
Total buyer cash needed$45,684.95
Remaining funds due$45,684.95
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%)$2,862.27
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)$735.00
Prepaid interest, first (26 days)$2,585.29
Fees + prepaids$19,138.06
Your down payment is the seller’s equity. You take over the $572,453 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $45,684.95 is due at closing. Uses and sources reconcile at $618,138.06 each. Not a Closing Disclosure.