Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$15,823Cash toward the purchase price.
Closing costs + prepaids$18,778Not just lender fees.
Before credits & paid funds$34,600The complete starting cash picture.
Estimated remaining funds due at closing
$34,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,822.67
Your down payment$15,822.67
Closing costs + prepaids$18,777.58
Total buyer cash needed$34,600.25
Remaining funds due$34,600.25
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,670.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (29 days)$2,758.70
Fees + prepaids$18,777.58
Your down payment is the seller’s equity. You take over the $534,177 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $34,600.25 is due at closing. Uses and sources reconcile at $568,777.58 each. Not a Closing Disclosure.