Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,722Cash toward the purchase price.
Closing costs + prepaids$17,169Not just lender fees.
Before credits & paid funds$57,891The complete starting cash picture.
Estimated remaining funds due at closing
$57,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,721.82
Your down payment$40,721.82
Closing costs + prepaids$17,169.42
Total buyer cash needed$57,891.24
Remaining funds due$57,891.24
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%)$2,791.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$160.25
Initial HOA (3 months)$324.00
Prepaid interest, first (25 days)$2,435.78
Fees + prepaids$17,169.42
Your down payment is the seller’s equity. You take over the $558,278 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $57,891.24 is due at closing. Uses and sources reconcile at $616,169.42 each. Not a Closing Disclosure.