Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$34,050Cash toward the purchase price.
Closing costs + prepaids$19,932Not just lender fees.
Before credits & paid funds$53,982The complete starting cash picture.
Estimated remaining funds due at closing
$53,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,050.09
Your down payment$34,050.09
Closing costs + prepaids$19,931.95
Total buyer cash needed$53,982.04
Remaining funds due$53,982.04
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,604.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,387.50
Initial HOA (3 months)$2,103.00
Prepaid interest, first (29 days)$2,818.70
Fees + prepaids$19,931.95
Your down payment is the seller’s equity. You take over the $520,950 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $53,982.04 is due at closing. Uses and sources reconcile at $574,931.95 each. Not a Closing Disclosure.