Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$19,289Cash toward the purchase price.
Closing costs + prepaids$17,725Not just lender fees.
Before credits & paid funds$37,014The complete starting cash picture.
Estimated remaining funds due at closing
$37,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,289.26
Your down payment$19,289.26
Closing costs + prepaids$17,724.60
Total buyer cash needed$37,013.86
Remaining funds due$37,013.86
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,728.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$643.50
Initial HOA (3 months)$492.00
Prepaid interest, first (29 days)$2,744.05
Fees + prepaids$17,724.60
Your down payment is the seller’s equity. You take over the $545,611 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $37,013.86 is due at closing. Uses and sources reconcile at $582,624.60 each. Not a Closing Disclosure.