Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,264Cash toward the purchase price.
Closing costs + prepaids$16,737Not just lender fees.
Before credits & paid funds$49,001The complete starting cash picture.
Estimated remaining funds due at closing
$49,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,263.95
Your down payment$32,263.95
Closing costs + prepaids$16,737.46
Total buyer cash needed$49,001.41
Remaining funds due$49,001.41
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,563.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$577.00
Initial HOA (3 months)$129.99
Prepaid interest, first (27 days)$2,548.79
Fees + prepaids$16,737.46
Your down payment is the seller’s equity. You take over the $512,736 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $49,001.41 is due at closing. Uses and sources reconcile at $561,737.46 each. Not a Closing Disclosure.