Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$9,885Cash toward the purchase price.
Closing costs + prepaids$19,095Not just lender fees.
Before credits & paid funds$28,980The complete starting cash picture.
Estimated remaining funds due at closing
$28,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,885.05
Your down payment$9,885.05
Closing costs + prepaids$19,095.34
Total buyer cash needed$28,980.39
Remaining funds due$28,980.39
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%)$2,945.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,263.00
Prepaid interest, first (22 days)$2,428.77
Fees + prepaids$19,095.34
Your down payment is the seller’s equity. You take over the $589,115 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $28,980.39 is due at closing. Uses and sources reconcile at $618,095.34 each. Not a Closing Disclosure.