Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$18,620Cash toward the purchase price.
Closing costs + prepaids$16,263Not just lender fees.
Before credits & paid funds$34,883The complete starting cash picture.
Estimated remaining funds due at closing
$34,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,620.04
Your down payment$18,620.04
Closing costs + prepaids$16,262.60
Total buyer cash needed$34,882.64
Remaining funds due$34,882.64
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,906.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$306.00
Prepaid interest, first (10 days)$861.72
Fees + prepaids$16,262.60
Your down payment is the seller’s equity. You take over the $581,379 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $34,882.64 is due at closing. Uses and sources reconcile at $616,261.60 each. Not a Closing Disclosure.