Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,238Cash toward the purchase price.
Closing costs + prepaids$18,831Not just lender fees.
Before credits & paid funds$23,069The complete starting cash picture.
Estimated remaining funds due at closing
$23,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,237.82
Your down payment$4,237.82
Closing costs + prepaids$18,831.26
Total buyer cash needed$23,069.07
Remaining funds due$23,069.07
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%)$5,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,848.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,450.00
Prepaid interest, first (31 days)$3,324.45
Fees + prepaids$18,831.26
Your down payment is the seller’s equity. You take over the $569,762 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $23,069.07 is due at closing. Uses and sources reconcile at $592,831.26 each. Not a Closing Disclosure.