Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,492Cash toward the purchase price.
Closing costs + prepaids$16,128Not just lender fees.
Before credits & paid funds$48,620The complete starting cash picture.
Estimated remaining funds due at closing
$48,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,492.46
Your down payment$32,492.46
Closing costs + prepaids$16,127.86
Total buyer cash needed$48,620.31
Remaining funds due$48,620.31
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,662.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$915.00
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$1,402.32
Fees + prepaids$16,127.86
Your down payment is the seller’s equity. You take over the $532,508 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $48,620.31 is due at closing. Uses and sources reconcile at $581,127.86 each. Not a Closing Disclosure.