Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,700Cash toward the purchase price.
Closing costs + prepaids$18,572Not just lender fees.
Before credits & paid funds$48,272The complete starting cash picture.
Estimated remaining funds due at closing
$48,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,700.39
Your down payment$29,700.39
Closing costs + prepaids$18,571.79
Total buyer cash needed$48,272.18
Remaining funds due$48,272.18
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%)$5,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,849.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,043.00
Initial HOA (3 months)$1,025.01
Prepaid interest, first (24 days)$2,191.78
Fees + prepaids$18,571.79
Your down payment is the seller’s equity. You take over the $569,800 balance, so the rest of the $599,500 price is paid at closing. A second mortgage can cover part of it. $48,272.18 is due at closing. Uses and sources reconcile at $618,071.79 each. Not a Closing Disclosure.