Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,851Cash toward the purchase price.
Closing costs + prepaids$19,852Not just lender fees.
Before credits & paid funds$75,704The complete starting cash picture.
Estimated remaining funds due at closing
$75,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,851.40
Your down payment$55,851.40
Closing costs + prepaids$19,852.18
Total buyer cash needed$75,703.58
Remaining funds due$75,703.58
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,715.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,956.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (30 days)$2,566.94
Fees + prepaids$19,852.18
Your down payment is the seller’s equity. You take over the $543,149 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $75,703.58 is due at closing. Uses and sources reconcile at $618,852.18 each. Not a Closing Disclosure.