Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$30,771Cash toward the purchase price.
Closing costs + prepaids$16,156Not just lender fees.
Before credits & paid funds$46,926The complete starting cash picture.
Estimated remaining funds due at closing
$46,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,770.51
Your down payment$30,770.51
Closing costs + prepaids$16,155.53
Total buyer cash needed$46,926.04
Remaining funds due$46,926.04
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%)$2,841.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,560.25
Initial HOA (3 months)$120.99
Prepaid interest, first (2 days)$175.14
Fees + prepaids$16,155.53
Your down payment is the seller’s equity. You take over the $568,229 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $46,926.04 is due at closing. Uses and sources reconcile at $615,155.53 each. Not a Closing Disclosure.