Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,718Cash toward the purchase price.
Closing costs + prepaids$19,498Not just lender fees.
Before credits & paid funds$42,216The complete starting cash picture.
Estimated remaining funds due at closing
$42,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,718.08
Your down payment$22,718.08
Closing costs + prepaids$19,497.63
Total buyer cash needed$42,215.71
Remaining funds due$42,215.71
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,735.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,424.75
Initial HOA (3 months)$1,539.00
Prepaid interest, first (27 days)$2,630.97
Fees + prepaids$19,497.63
Your down payment is the seller’s equity. You take over the $547,182 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $42,215.71 is due at closing. Uses and sources reconcile at $589,397.63 each. Not a Closing Disclosure.