Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,520Cash toward the purchase price.
Closing costs + prepaids$17,696Not just lender fees.
Before credits & paid funds$48,216The complete starting cash picture.
Estimated remaining funds due at closing
$48,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,520.37
Your down payment$30,520.37
Closing costs + prepaids$17,695.85
Total buyer cash needed$48,216.22
Remaining funds due$48,216.22
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,797.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$959.25
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$2,391.20
Fees + prepaids$17,695.85
Your down payment is the seller’s equity. You take over the $559,480 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $48,216.22 is due at closing. Uses and sources reconcile at $607,695.85 each. Not a Closing Disclosure.