Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$17,175Cash toward the purchase price.
Closing costs + prepaids$16,701Not just lender fees.
Before credits & paid funds$33,876The complete starting cash picture.
Estimated remaining funds due at closing
$33,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,174.58
Your down payment$17,174.58
Closing costs + prepaids$16,701.07
Total buyer cash needed$33,875.64
Remaining funds due$33,875.64
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,914.12
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)$585.00
Prepaid interest, first (10 days)$1,013.95
Fees + prepaids$16,701.07
Your down payment is the seller’s equity. You take over the $582,824 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $33,875.64 is due at closing. Uses and sources reconcile at $616,700.07 each. Not a Closing Disclosure.