Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$23,087Cash toward the purchase price.
Closing costs + prepaids$17,779Not just lender fees.
Before credits & paid funds$40,866The complete starting cash picture.
Estimated remaining funds due at closing
$40,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,087.31
Your down payment$23,087.31
Closing costs + prepaids$17,778.66
Total buyer cash needed$40,865.97
Remaining funds due$40,865.97
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%)$2,884.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (18 days)$1,926.10
Fees + prepaids$17,778.66
Your down payment is the seller’s equity. You take over the $576,913 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $40,865.97 is due at closing. Uses and sources reconcile at $617,778.66 each. Not a Closing Disclosure.