Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,069Cash toward the purchase price.
Closing costs + prepaids$15,714Not just lender fees.
Before credits & paid funds$41,782The complete starting cash picture.
Estimated remaining funds due at closing
$41,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,068.58
Your down payment$26,068.58
Closing costs + prepaids$15,713.91
Total buyer cash needed$41,782.49
Remaining funds due$41,782.49
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,819.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,203.25
Initial HOA (3 months)$141.00
Prepaid interest, first (2 days)$182.00
Fees + prepaids$15,713.91
Your down payment is the seller’s equity. You take over the $563,931 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $41,782.49 is due at closing. Uses and sources reconcile at $605,713.91 each. Not a Closing Disclosure.