Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,555Cash toward the purchase price.
Closing costs + prepaids$16,479Not just lender fees.
Before credits & paid funds$32,034The complete starting cash picture.
Estimated remaining funds due at closing
$32,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,555.01
Your down payment$15,555.01
Closing costs + prepaids$16,478.73
Total buyer cash needed$32,033.73
Remaining funds due$32,033.73
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,997.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,239.00
Initial HOA (3 months)$411.00
Prepaid interest, first (2 days)$213.50
Fees + prepaids$16,478.73
Your down payment is the seller’s equity. You take over the $599,445 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $32,033.73 is due at closing. Uses and sources reconcile at $631,478.73 each. Not a Closing Disclosure.