Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$22,614Cash toward the purchase price.
Closing costs + prepaids$15,913Not just lender fees.
Before credits & paid funds$38,528The complete starting cash picture.
Estimated remaining funds due at closing
$38,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,614.46
Your down payment$22,614.46
Closing costs + prepaids$15,913.09
Total buyer cash needed$38,527.55
Remaining funds due$38,527.55
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,636.93
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)$411.00
Prepaid interest, first (13 days)$1,209.66
Fees + prepaids$15,913.09
Your down payment is the seller’s equity. You take over the $527,386 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $38,527.55 is due at closing. Uses and sources reconcile at $565,913.09 each. Not a Closing Disclosure.