Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,719Cash toward the purchase price.
Closing costs + prepaids$15,300Not just lender fees.
Before credits & paid funds$47,019The complete starting cash picture.
Estimated remaining funds due at closing
$47,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,719.00
Your down payment$31,719.00
Closing costs + prepaids$15,300.08
Total buyer cash needed$47,019.08
Remaining funds due$47,019.08
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%)$2,841.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$625.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$64.92
Fees + prepaids$15,300.08
Your down payment is the seller’s equity. You take over the $568,281 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $47,019.08 is due at closing. Uses and sources reconcile at $615,300.08 each. Not a Closing Disclosure.