Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,423Cash toward the purchase price.
Closing costs + prepaids$18,480Not just lender fees.
Before credits & paid funds$41,903The complete starting cash picture.
Estimated remaining funds due at closing
$41,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,423.38
Your down payment$23,423.38
Closing costs + prepaids$18,480.11
Total buyer cash needed$41,903.48
Remaining funds due$41,903.48
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,782.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,077.25
Initial HOA (3 months)$95.01
Prepaid interest, first (31 days)$3,256.96
Fees + prepaids$18,480.11
Your down payment is the seller’s equity. You take over the $556,577 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $41,903.48 is due at closing. Uses and sources reconcile at $598,480.11 each. Not a Closing Disclosure.