Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,677Cash toward the purchase price.
Closing costs + prepaids$20,315Not just lender fees.
Before credits & paid funds$47,992The complete starting cash picture.
Estimated remaining funds due at closing
$47,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,676.89
Your down payment$27,676.89
Closing costs + prepaids$20,314.83
Total buyer cash needed$47,991.72
Remaining funds due$47,991.72
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%)$5,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,861.37
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)$2,142.00
Prepaid interest, first (23 days)$2,343.97
Fees + prepaids$20,314.83
Your down payment is the seller’s equity. You take over the $572,273 balance, so the rest of the $599,950 price is paid at closing. A second mortgage can cover part of it. $47,991.72 is due at closing. Uses and sources reconcile at $620,264.83 each. Not a Closing Disclosure.