Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,437Cash toward the purchase price.
Closing costs + prepaids$17,989Not just lender fees.
Before credits & paid funds$49,426The complete starting cash picture.
Estimated remaining funds due at closing
$49,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,436.99
Your down payment$31,436.99
Closing costs + prepaids$17,988.79
Total buyer cash needed$49,425.78
Remaining funds due$49,425.78
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%)$2,837.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,560.25
Initial HOA (3 months)$120.99
Prepaid interest, first (23 days)$2,011.74
Fees + prepaids$17,988.79
Your down payment is the seller’s equity. You take over the $567,563 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $49,425.78 is due at closing. Uses and sources reconcile at $616,988.79 each. Not a Closing Disclosure.