Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$9,914Cash toward the purchase price.
Closing costs + prepaids$17,201Not just lender fees.
Before credits & paid funds$27,115The complete starting cash picture.
Estimated remaining funds due at closing
$27,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,914.18
Your down payment$9,914.18
Closing costs + prepaids$17,201.30
Total buyer cash needed$27,115.48
Remaining funds due$27,115.48
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%)$2,950.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$261.00
Prepaid interest, first (16 days)$1,771.87
Fees + prepaids$17,201.30
Your down payment is the seller’s equity. You take over the $590,086 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $27,115.48 is due at closing. Uses and sources reconcile at $617,201.30 each. Not a Closing Disclosure.