Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,382Cash toward the purchase price.
Closing costs + prepaids$18,236Not just lender fees.
Before credits & paid funds$46,618The complete starting cash picture.
Estimated remaining funds due at closing
$46,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,382.15
Your down payment$28,382.15
Closing costs + prepaids$18,236.31
Total buyer cash needed$46,618.46
Remaining funds due$46,618.46
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,757.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,449.75
Prepaid interest, first (27 days)$2,761.97
Fees + prepaids$18,236.31
Your down payment is the seller’s equity. You take over the $551,518 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $46,618.46 is due at closing. Uses and sources reconcile at $598,136.31 each. Not a Closing Disclosure.