Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$3,304Cash toward the purchase price.
Closing costs + prepaids$19,573Not just lender fees.
Before credits & paid funds$22,877The complete starting cash picture.
Estimated remaining funds due at closing
$22,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,304.00
Your down payment$3,304.00
Closing costs + prepaids$19,573.44
Total buyer cash needed$22,877.44
Remaining funds due$22,877.44
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%)$5,872.60
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,919.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,468.25
Initial HOA (3 months)$1,293.00
Prepaid interest, first (25 days)$2,551.81
Fees + prepaids$19,573.44
Your down payment is the seller’s equity. You take over the $583,956 balance, so the rest of the $587,260 price is paid at closing. A second mortgage can cover part of it. $22,877.44 is due at closing. Uses and sources reconcile at $606,833.44 each. Not a Closing Disclosure.