Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,540Cash toward the purchase price.
Closing costs + prepaids$15,660Not just lender fees.
Before credits & paid funds$52,200The complete starting cash picture.
Estimated remaining funds due at closing
$52,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,539.78
Your down payment$36,539.78
Closing costs + prepaids$15,659.98
Total buyer cash needed$52,199.76
Remaining funds due$52,199.76
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,542.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$854.00
Prepaid interest, first (28 days)$1,345.68
Fees + prepaids$15,659.98
Your down payment is the seller’s equity. You take over the $508,460 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $52,199.76 is due at closing. Uses and sources reconcile at $560,659.98 each. Not a Closing Disclosure.