Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,760Cash toward the purchase price.
Closing costs + prepaids$15,340Not just lender fees.
Before credits & paid funds$33,100The complete starting cash picture.
Estimated remaining funds due at closing
$33,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,759.66
Your down payment$17,759.66
Closing costs + prepaids$15,339.99
Total buyer cash needed$33,099.65
Remaining funds due$33,099.65
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%)$2,911.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.50
Initial HOA (3 months)$306.00
Prepaid interest, first (1 days)$86.30
Fees + prepaids$15,339.99
Your down payment is the seller’s equity. You take over the $582,239 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $33,099.65 is due at closing. Uses and sources reconcile at $615,338.99 each. Not a Closing Disclosure.