Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,380Cash toward the purchase price.
Closing costs + prepaids$18,837Not just lender fees.
Before credits & paid funds$56,217The complete starting cash picture.
Estimated remaining funds due at closing
$56,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,379.90
Your down payment$37,379.90
Closing costs + prepaids$18,836.99
Total buyer cash needed$56,216.89
Remaining funds due$56,216.89
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,613.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.00
Initial HOA (3 months)$1,485.00
Prepaid interest, first (26 days)$2,270.89
Fees + prepaids$18,836.99
Your down payment is the seller’s equity. You take over the $522,620 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $56,216.89 is due at closing. Uses and sources reconcile at $578,836.99 each. Not a Closing Disclosure.