Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,018Cash toward the purchase price.
Closing costs + prepaids$18,484Not just lender fees.
Before credits & paid funds$51,502The complete starting cash picture.
Estimated remaining funds due at closing
$51,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,017.93
Your down payment$33,017.93
Closing costs + prepaids$18,484.44
Total buyer cash needed$51,502.37
Remaining funds due$51,502.37
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,859.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,583.75
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$2,237.78
Fees + prepaids$18,484.44
Your down payment is the seller’s equity. You take over the $571,982 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $51,502.37 is due at closing. Uses and sources reconcile at $623,484.44 each. Not a Closing Disclosure.