Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$31,437Cash toward the purchase price.
Closing costs + prepaids$16,185Not just lender fees.
Before credits & paid funds$47,622The complete starting cash picture.
Estimated remaining funds due at closing
$47,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,436.99
Your down payment$31,436.99
Closing costs + prepaids$16,185.16
Total buyer cash needed$47,622.15
Remaining funds due$47,622.15
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,837.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Initial HOA (3 months)$120.99
Prepaid interest, first (12 days)$1,049.60
Fees + prepaids$16,185.16
Your down payment is the seller’s equity. You take over the $567,563 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $47,622.15 is due at closing. Uses and sources reconcile at $615,185.16 each. Not a Closing Disclosure.