Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,849Cash toward the purchase price.
Closing costs + prepaids$19,710Not just lender fees.
Before credits & paid funds$33,559The complete starting cash picture.
Estimated remaining funds due at closing
$33,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,848.83
Your down payment$13,848.83
Closing costs + prepaids$19,709.77
Total buyer cash needed$33,558.60
Remaining funds due$33,558.60
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%)$2,925.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$1,065.00
Prepaid interest, first (26 days)$2,763.52
Fees + prepaids$19,709.77
Your down payment is the seller’s equity. You take over the $585,151 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $33,558.60 is due at closing. Uses and sources reconcile at $618,709.77 each. Not a Closing Disclosure.