Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,033Cash toward the purchase price.
Closing costs + prepaids$17,037Not just lender fees.
Before credits & paid funds$51,070The complete starting cash picture.
Estimated remaining funds due at closing
$51,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,033.27
Your down payment$34,033.27
Closing costs + prepaids$17,037.03
Total buyer cash needed$51,070.30
Remaining funds due$51,070.30
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%)$5,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,604.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Initial HOA (3 months)$122.01
Prepaid interest, first (26 days)$2,574.94
Fees + prepaids$17,037.03
Your down payment is the seller’s equity. You take over the $520,867 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $51,070.30 is due at closing. Uses and sources reconcile at $571,937.03 each. Not a Closing Disclosure.