Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$17,305Cash toward the purchase price.
Closing costs + prepaids$18,699Not just lender fees.
Before credits & paid funds$36,004The complete starting cash picture.
Estimated remaining funds due at closing
$36,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,305.35
Your down payment$17,305.35
Closing costs + prepaids$18,698.99
Total buyer cash needed$36,004.34
Remaining funds due$36,004.34
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,613.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$1,002.00
Prepaid interest, first (29 days)$2,865.51
Fees + prepaids$18,698.99
Your down payment is the seller’s equity. You take over the $522,695 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $36,004.34 is due at closing. Uses and sources reconcile at $558,698.99 each. Not a Closing Disclosure.