Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$36,823Cash toward the purchase price.
Closing costs + prepaids$16,453Not just lender fees.
Before credits & paid funds$53,276The complete starting cash picture.
Estimated remaining funds due at closing
$53,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,822.98
Your down payment$36,822.98
Closing costs + prepaids$16,453.15
Total buyer cash needed$53,276.14
Remaining funds due$53,276.14
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%)$5,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,565.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$200.00
Initial HOA (3 months)$252.00
Prepaid interest, first (27 days)$2,467.42
Fees + prepaids$16,453.15
Your down payment is the seller’s equity. You take over the $513,167 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $53,276.14 is due at closing. Uses and sources reconcile at $566,443.15 each. Not a Closing Disclosure.