Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,118Cash toward the purchase price.
Closing costs + prepaids$20,655Not just lender fees.
Before credits & paid funds$44,773The complete starting cash picture.
Estimated remaining funds due at closing
$44,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,117.57
Your down payment$24,117.57
Closing costs + prepaids$20,655.15
Total buyer cash needed$44,772.72
Remaining funds due$44,772.72
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,804.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,444.50
Prepaid interest, first (29 days)$3,088.23
Fees + prepaids$20,655.15
Your down payment is the seller’s equity. You take over the $560,882 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $44,772.72 is due at closing. Uses and sources reconcile at $605,655.15 each. Not a Closing Disclosure.