Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,370Cash toward the purchase price.
Closing costs + prepaids$17,677Not just lender fees.
Before credits & paid funds$29,047The complete starting cash picture.
Estimated remaining funds due at closing
$29,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,369.60
Your down payment$11,369.60
Closing costs + prepaids$17,677.21
Total buyer cash needed$29,046.81
Remaining funds due$29,046.81
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,693.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,025.25
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$2,780.81
Fees + prepaids$17,677.21
Your down payment is the seller’s equity. You take over the $538,630 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $29,046.81 is due at closing. Uses and sources reconcile at $567,677.21 each. Not a Closing Disclosure.