Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,457Cash toward the purchase price.
Closing costs + prepaids$19,894Not just lender fees.
Before credits & paid funds$44,352The complete starting cash picture.
Estimated remaining funds due at closing
$44,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,457.33
Your down payment$24,457.33
Closing costs + prepaids$19,894.35
Total buyer cash needed$44,351.68
Remaining funds due$44,351.68
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%)$5,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,752.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$1,725.00
Prepaid interest, first (27 days)$2,761.16
Fees + prepaids$19,894.35
Your down payment is the seller’s equity. You take over the $550,542 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $44,351.68 is due at closing. Uses and sources reconcile at $594,893.35 each. Not a Closing Disclosure.