Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,800Cash toward the purchase price.
Closing costs + prepaids$18,416Not just lender fees.
Before credits & paid funds$55,216The complete starting cash picture.
Estimated remaining funds due at closing
$55,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,799.65
Your down payment$36,799.65
Closing costs + prepaids$18,416.50
Total buyer cash needed$55,216.15
Remaining funds due$55,216.15
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%)$5,593.12
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,612.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,798.75
Initial HOA (3 months)$294.00
Prepaid interest, first (26 days)$2,650.07
Fees + prepaids$18,416.50
Your down payment is the seller’s equity. You take over the $522,512 balance, so the rest of the $559,312 price is paid at closing. A second mortgage can cover part of it. $55,216.15 is due at closing. Uses and sources reconcile at $577,728.50 each. Not a Closing Disclosure.