Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,699Cash toward the purchase price.
Closing costs + prepaids$19,147Not just lender fees.
Before credits & paid funds$44,846The complete starting cash picture.
Estimated remaining funds due at closing
$44,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,699.39
Your down payment$25,699.39
Closing costs + prepaids$19,146.55
Total buyer cash needed$44,845.94
Remaining funds due$44,845.94
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%)$2,866.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,388.50
Initial HOA (3 months)$1,266.00
Prepaid interest, first (23 days)$2,167.55
Fees + prepaids$19,146.55
Your down payment is the seller’s equity. You take over the $573,301 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $44,845.94 is due at closing. Uses and sources reconcile at $618,146.55 each. Not a Closing Disclosure.