Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,118Cash toward the purchase price.
Closing costs + prepaids$19,910Not just lender fees.
Before credits & paid funds$44,027The complete starting cash picture.
Estimated remaining funds due at closing
$44,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,117.57
Your down payment$24,117.57
Closing costs + prepaids$19,909.71
Total buyer cash needed$44,027.28
Remaining funds due$44,027.28
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,804.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,444.50
Prepaid interest, first (22 days)$2,342.80
Fees + prepaids$19,909.71
Your down payment is the seller’s equity. You take over the $560,882 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $44,027.28 is due at closing. Uses and sources reconcile at $604,909.71 each. Not a Closing Disclosure.