Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$13,495Cash toward the purchase price.
Closing costs + prepaids$15,105Not just lender fees.
Before credits & paid funds$28,600The complete starting cash picture.
Estimated remaining funds due at closing
$28,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,495.47
Your down payment$13,495.47
Closing costs + prepaids$15,104.75
Total buyer cash needed$28,600.22
Remaining funds due$28,600.22
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,927.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.50
Prepaid interest, first (1 days)$49.73
Fees + prepaids$15,104.75
Your down payment is the seller’s equity. You take over the $585,505 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $28,600.22 is due at closing. Uses and sources reconcile at $614,104.75 each. Not a Closing Disclosure.