Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$20,923Cash toward the purchase price.
Closing costs + prepaids$16,076Not just lender fees.
Before credits & paid funds$36,999The complete starting cash picture.
Estimated remaining funds due at closing
$36,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,922.66
Your down payment$20,922.66
Closing costs + prepaids$16,075.88
Total buyer cash needed$36,998.54
Remaining funds due$36,998.54
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,644.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.50
Initial HOA (3 months)$180.00
Prepaid interest, first (17 days)$1,596.50
Fees + prepaids$16,075.88
Your down payment is the seller’s equity. You take over the $528,977 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $36,998.54 is due at closing. Uses and sources reconcile at $565,975.88 each. Not a Closing Disclosure.