Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,455Cash toward the purchase price.
Closing costs + prepaids$18,904Not just lender fees.
Before credits & paid funds$52,358The complete starting cash picture.
Estimated remaining funds due at closing
$52,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,454.68
Your down payment$33,454.68
Closing costs + prepaids$18,903.77
Total buyer cash needed$52,358.45
Remaining funds due$52,358.45
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,607.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,387.50
Initial HOA (3 months)$2,103.00
Prepaid interest, first (18 days)$1,787.54
Fees + prepaids$18,903.77
Your down payment is the seller’s equity. You take over the $521,545 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $52,358.45 is due at closing. Uses and sources reconcile at $573,903.77 each. Not a Closing Disclosure.