Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,907Cash toward the purchase price.
Closing costs + prepaids$17,678Not just lender fees.
Before credits & paid funds$46,585The complete starting cash picture.
Estimated remaining funds due at closing
$46,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,907.28
Your down payment$28,907.28
Closing costs + prepaids$17,677.97
Total buyer cash needed$46,585.24
Remaining funds due$46,585.24
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,754.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$413.25
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,942.75
Fees + prepaids$17,677.97
Your down payment is the seller’s equity. You take over the $550,993 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $46,585.24 is due at closing. Uses and sources reconcile at $597,577.97 each. Not a Closing Disclosure.