Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$14,035Cash toward the purchase price.
Closing costs + prepaids$17,407Not just lender fees.
Before credits & paid funds$31,442The complete starting cash picture.
Estimated remaining funds due at closing
$31,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,035.01
Your down payment$14,035.01
Closing costs + prepaids$17,406.69
Total buyer cash needed$31,441.70
Remaining funds due$31,441.70
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,804.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,035.50
Initial HOA (3 months)$600.00
Prepaid interest, first (18 days)$1,748.37
Fees + prepaids$17,406.69
Your down payment is the seller’s equity. You take over the $560,965 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $31,441.70 is due at closing. Uses and sources reconcile at $592,406.69 each. Not a Closing Disclosure.