Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$9,730Cash toward the purchase price.
Closing costs + prepaids$16,458Not just lender fees.
Before credits & paid funds$26,189The complete starting cash picture.
Estimated remaining funds due at closing
$26,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,730.17
Your down payment$9,730.17
Closing costs + prepaids$16,458.42
Total buyer cash needed$26,188.59
Remaining funds due$26,188.59
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,926.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$743.75
Initial HOA (3 months)$98.76
Prepaid interest, first (13 days)$1,271.56
Fees + prepaids$16,458.42
Your down payment is the seller’s equity. You take over the $585,270 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $26,188.59 is due at closing. Uses and sources reconcile at $611,458.42 each. Not a Closing Disclosure.