Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$26,436Cash toward the purchase price.
Closing costs + prepaids$16,713Not just lender fees.
Before credits & paid funds$43,149The complete starting cash picture.
Estimated remaining funds due at closing
$43,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,435.92
Your down payment$26,435.92
Closing costs + prepaids$16,713.02
Total buyer cash needed$43,148.94
Remaining funds due$43,148.94
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,942.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Initial HOA (3 months)$408.00
Prepaid interest, first (10 days)$1,006.20
Fees + prepaids$16,713.02
Your down payment is the seller’s equity. You take over the $588,564 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $43,148.94 is due at closing. Uses and sources reconcile at $631,713.02 each. Not a Closing Disclosure.