Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,222Cash toward the purchase price.
Closing costs + prepaids$18,512Not just lender fees.
Before credits & paid funds$48,735The complete starting cash picture.
Estimated remaining funds due at closing
$48,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,222.42
Your down payment$30,222.42
Closing costs + prepaids$18,512.28
Total buyer cash needed$48,734.71
Remaining funds due$48,734.71
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,848.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.75
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$2,562.14
Fees + prepaids$18,512.28
Your down payment is the seller’s equity. You take over the $569,678 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $48,734.71 is due at closing. Uses and sources reconcile at $618,412.28 each. Not a Closing Disclosure.