Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,671Cash toward the purchase price.
Closing costs + prepaids$17,842Not just lender fees.
Before credits & paid funds$20,513The complete starting cash picture.
Estimated remaining funds due at closing
$20,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,670.61
Your down payment$2,670.61
Closing costs + prepaids$17,842.35
Total buyer cash needed$20,512.96
Remaining funds due$20,512.96
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,761.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,248.75
Initial HOA (3 months)$39.75
Prepaid interest, first (27 days)$2,774.21
Fees + prepaids$17,842.35
Your down payment is the seller’s equity. You take over the $552,329 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $20,512.96 is due at closing. Uses and sources reconcile at $572,842.35 each. Not a Closing Disclosure.