Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,759Cash toward the purchase price.
Closing costs + prepaids$17,671Not just lender fees.
Before credits & paid funds$37,430The complete starting cash picture.
Estimated remaining funds due at closing
$37,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,758.89
Your down payment$19,758.89
Closing costs + prepaids$17,671.45
Total buyer cash needed$37,430.34
Remaining funds due$37,430.34
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,726.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,170.75
Initial HOA (3 months)$171.99
Prepaid interest, first (24 days)$2,484.51
Fees + prepaids$17,671.45
Your down payment is the seller’s equity. You take over the $545,241 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $37,430.34 is due at closing. Uses and sources reconcile at $582,671.45 each. Not a Closing Disclosure.