Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$14,863Cash toward the purchase price.
Closing costs + prepaids$15,831Not just lender fees.
Before credits & paid funds$30,694The complete starting cash picture.
Estimated remaining funds due at closing
$30,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,862.77
Your down payment$14,862.77
Closing costs + prepaids$15,831.17
Total buyer cash needed$30,693.94
Remaining funds due$30,693.94
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,925.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$99.00
Prepaid interest, first (6 days)$618.48
Fees + prepaids$15,831.17
Your down payment is the seller’s equity. You take over the $585,137 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $30,693.94 is due at closing. Uses and sources reconcile at $615,831.17 each. Not a Closing Disclosure.