Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$55,851Cash toward the purchase price.
Closing costs + prepaids$19,168Not just lender fees.
Before credits & paid funds$75,019The complete starting cash picture.
Estimated remaining funds due at closing
$75,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,851.40
Your down payment$55,851.40
Closing costs + prepaids$19,167.66
Total buyer cash needed$75,019.07
Remaining funds due$75,019.07
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,715.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,956.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (22 days)$1,882.42
Fees + prepaids$19,167.66
Your down payment is the seller’s equity. You take over the $543,149 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $75,019.07 is due at closing. Uses and sources reconcile at $618,167.66 each. Not a Closing Disclosure.