Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$15,482Cash toward the purchase price.
Closing costs + prepaids$18,194Not just lender fees.
Before credits & paid funds$33,677The complete starting cash picture.
Estimated remaining funds due at closing
$33,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,482.48
Your down payment$15,482.48
Closing costs + prepaids$18,194.46
Total buyer cash needed$33,676.93
Remaining funds due$33,676.93
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%)$5,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,612.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,345.00
Initial HOA (3 months)$1,464.00
Prepaid interest, first (27 days)$1,924.87
Fees + prepaids$18,194.46
Your down payment is the seller’s equity. You take over the $522,518 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $33,676.93 is due at closing. Uses and sources reconcile at $556,194.46 each. Not a Closing Disclosure.