Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,736Cash toward the purchase price.
Closing costs + prepaids$18,108Not just lender fees.
Before credits & paid funds$54,844The complete starting cash picture.
Estimated remaining funds due at closing
$54,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,736.10
Your down payment$36,736.10
Closing costs + prepaids$18,107.88
Total buyer cash needed$54,843.98
Remaining funds due$54,843.98
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%)$5,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,676.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,861.25
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$2,112.31
Fees + prepaids$18,107.88
Your down payment is the seller’s equity. You take over the $535,264 balance, so the rest of the $572,000 price is paid at closing. A second mortgage can cover part of it. $54,843.98 is due at closing. Uses and sources reconcile at $590,107.88 each. Not a Closing Disclosure.