Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,198Cash toward the purchase price.
Closing costs + prepaids$18,150Not just lender fees.
Before credits & paid funds$51,348The complete starting cash picture.
Estimated remaining funds due at closing
$51,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,197.89
Your down payment$33,197.89
Closing costs + prepaids$18,150.24
Total buyer cash needed$51,348.13
Remaining funds due$51,348.13
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,834.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$1,190.01
Prepaid interest, first (27 days)$2,658.22
Fees + prepaids$18,150.24
Your down payment is the seller’s equity. You take over the $566,802 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $51,348.13 is due at closing. Uses and sources reconcile at $618,150.24 each. Not a Closing Disclosure.