Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,649Cash toward the purchase price.
Closing costs + prepaids$17,907Not just lender fees.
Before credits & paid funds$30,556The complete starting cash picture.
Estimated remaining funds due at closing
$30,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,648.80
Your down payment$12,648.80
Closing costs + prepaids$17,906.94
Total buyer cash needed$30,555.74
Remaining funds due$30,555.74
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%)$5,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,921.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$578.50
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$2,943.69
Fees + prepaids$17,906.94
Your down payment is the seller’s equity. You take over the $584,351 balance, so the rest of the $597,000 price is paid at closing. A second mortgage can cover part of it. $30,555.74 is due at closing. Uses and sources reconcile at $614,906.94 each. Not a Closing Disclosure.