Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,856Cash toward the purchase price.
Closing costs + prepaids$17,869Not just lender fees.
Before credits & paid funds$57,725The complete starting cash picture.
Estimated remaining funds due at closing
$57,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,855.74
Your down payment$39,855.74
Closing costs + prepaids$17,869.36
Total buyer cash needed$57,725.10
Remaining funds due$57,725.10
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%)$2,800.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.75
Prepaid interest, first (26 days)$2,102.39
Fees + prepaids$17,869.36
Your down payment is the seller’s equity. You take over the $560,044 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $57,725.10 is due at closing. Uses and sources reconcile at $617,769.36 each. Not a Closing Disclosure.