Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$13,012Cash toward the purchase price.
Closing costs + prepaids$16,456Not just lender fees.
Before credits & paid funds$29,468The complete starting cash picture.
Estimated remaining funds due at closing
$29,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,012.14
Your down payment$13,012.14
Closing costs + prepaids$16,455.83
Total buyer cash needed$29,467.97
Remaining funds due$29,467.97
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,934.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$197.25
Prepaid interest, first (22 days)$1,857.14
Fees + prepaids$16,455.83
Your down payment is the seller’s equity. You take over the $586,888 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $29,467.97 is due at closing. Uses and sources reconcile at $616,355.83 each. Not a Closing Disclosure.