Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,657Cash toward the purchase price.
Closing costs + prepaids$15,711Not just lender fees.
Before credits & paid funds$46,368The complete starting cash picture.
Estimated remaining funds due at closing
$46,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,656.71
Your down payment$30,656.71
Closing costs + prepaids$15,710.93
Total buyer cash needed$46,367.64
Remaining funds due$46,367.64
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$366.75
Initial HOA (3 months)$108.00
Prepaid interest, first (24 days)$1,672.96
Fees + prepaids$15,710.93
Your down payment is the seller’s equity. You take over the $519,243 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $46,367.64 is due at closing. Uses and sources reconcile at $565,610.93 each. Not a Closing Disclosure.