Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$55,598Cash toward the purchase price.
Closing costs + prepaids$16,139Not just lender fees.
Before credits & paid funds$71,737The complete starting cash picture.
Estimated remaining funds due at closing
$71,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,598.20
Your down payment$55,598.20
Closing costs + prepaids$16,139.12
Total buyer cash needed$71,737.32
Remaining funds due$71,737.32
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%)$2,722.01
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)$282.00
Prepaid interest, first (10 days)$947.11
Fees + prepaids$16,139.12
Your down payment is the seller’s equity. You take over the $544,402 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $71,737.32 is due at closing. Uses and sources reconcile at $616,139.12 each. Not a Closing Disclosure.