Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,823Cash toward the purchase price.
Closing costs + prepaids$17,834Not just lender fees.
Before credits & paid funds$54,656The complete starting cash picture.
Estimated remaining funds due at closing
$54,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,822.88
Your down payment$36,822.88
Closing costs + prepaids$17,833.61
Total buyer cash needed$54,656.49
Remaining funds due$54,656.49
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,815.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,108.00
Prepaid interest, first (25 days)$2,441.72
Fees + prepaids$17,833.61
Your down payment is the seller’s equity. You take over the $563,177 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $54,656.49 is due at closing. Uses and sources reconcile at $617,833.61 each. Not a Closing Disclosure.