Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,933Cash toward the purchase price.
Closing costs + prepaids$17,897Not just lender fees.
Before credits & paid funds$52,830The complete starting cash picture.
Estimated remaining funds due at closing
$52,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,933.36
Your down payment$34,933.36
Closing costs + prepaids$17,896.76
Total buyer cash needed$52,830.12
Remaining funds due$52,830.12
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,575.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,797.00
Prepaid interest, first (28 days)$2,556.42
Fees + prepaids$17,896.76
Your down payment is the seller’s equity. You take over the $515,067 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $52,830.12 is due at closing. Uses and sources reconcile at $567,896.76 each. Not a Closing Disclosure.