Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,093Cash toward the purchase price.
Closing costs + prepaids$19,366Not just lender fees.
Before credits & paid funds$45,459The complete starting cash picture.
Estimated remaining funds due at closing
$45,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,092.73
Your down payment$26,092.73
Closing costs + prepaids$19,365.85
Total buyer cash needed$45,458.58
Remaining funds due$45,458.58
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%)$5,967.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,853.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,578.75
Initial HOA (3 months)$609.99
Prepaid interest, first (18 days)$1,888.33
Fees + prepaids$19,365.85
Your down payment is the seller’s equity. You take over the $570,657 balance, so the rest of the $596,750 price is paid at closing. A second mortgage can cover part of it. $45,458.58 is due at closing. Uses and sources reconcile at $616,115.85 each. Not a Closing Disclosure.