Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,403Cash toward the purchase price.
Closing costs + prepaids$17,647Not just lender fees.
Before credits & paid funds$19,050The complete starting cash picture.
Estimated remaining funds due at closing
$19,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,402.86
Your down payment$1,402.86
Closing costs + prepaids$17,646.94
Total buyer cash needed$19,049.81
Remaining funds due$19,049.81
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%)$5,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,657.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,568.00
Initial HOA (3 months)$168.00
Prepaid interest, first (28 days)$2,454.96
Fees + prepaids$17,646.94
Your down payment is the seller’s equity. You take over the $531,597 balance, so the rest of the $533,000 price is paid at closing. A second mortgage can cover part of it. $19,049.81 is due at closing. Uses and sources reconcile at $550,646.94 each. Not a Closing Disclosure.