Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$3,320Cash toward the purchase price.
Closing costs + prepaids$17,502Not just lender fees.
Before credits & paid funds$20,823The complete starting cash picture.
Estimated remaining funds due at closing
$20,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,320.48
Your down payment$3,320.48
Closing costs + prepaids$17,502.46
Total buyer cash needed$20,822.94
Remaining funds due$20,822.94
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%)$5,399.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,683.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,277.75
Initial HOA (3 months)$288.00
Prepaid interest, first (24 days)$2,385.46
Fees + prepaids$17,502.46
Your down payment is the seller’s equity. You take over the $536,670 balance, so the rest of the $539,990 price is paid at closing. A second mortgage can cover part of it. $20,822.94 is due at closing. Uses and sources reconcile at $557,492.46 each. Not a Closing Disclosure.