Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,797Cash toward the purchase price.
Closing costs + prepaids$19,740Not just lender fees.
Before credits & paid funds$25,537The complete starting cash picture.
Estimated remaining funds due at closing
$25,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,797.24
Your down payment$5,797.24
Closing costs + prepaids$19,739.86
Total buyer cash needed$25,537.10
Remaining funds due$25,537.10
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%)$5,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,970.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$645.00
Prepaid interest, first (27 days)$3,155.92
Fees + prepaids$19,739.86
Your down payment is the seller’s equity. You take over the $594,198 balance, so the rest of the $599,995 price is paid at closing. A second mortgage can cover part of it. $25,537.10 is due at closing. Uses and sources reconcile at $619,734.86 each. Not a Closing Disclosure.