Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,794Cash toward the purchase price.
Closing costs + prepaids$16,211Not just lender fees.
Before credits & paid funds$43,005The complete starting cash picture.
Estimated remaining funds due at closing
$43,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,794.38
Your down payment$26,794.38
Closing costs + prepaids$16,210.69
Total buyer cash needed$43,005.07
Remaining funds due$43,005.07
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%)$5,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,786.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,460.00
Initial HOA (3 months)$504.00
Prepaid interest, first (2 days)$152.66
Fees + prepaids$16,210.69
Your down payment is the seller’s equity. You take over the $557,206 balance, so the rest of the $584,000 price is paid at closing. A second mortgage can cover part of it. $43,005.07 is due at closing. Uses and sources reconcile at $600,210.69 each. Not a Closing Disclosure.