Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,289Cash toward the purchase price.
Closing costs + prepaids$16,684Not just lender fees.
Before credits & paid funds$35,973The complete starting cash picture.
Estimated remaining funds due at closing
$35,973No 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$16,683.76
Total buyer cash needed$35,973.02
Remaining funds due$35,973.02
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 (18 days)$1,703.20
Fees + prepaids$16,683.76
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. $35,973.02 is due at closing. Uses and sources reconcile at $581,583.76 each. Not a Closing Disclosure.