Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$29,761Cash toward the purchase price.
Closing costs + prepaids$16,220Not just lender fees.
Before credits & paid funds$45,981The complete starting cash picture.
Estimated remaining funds due at closing
$45,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,760.95
Your down payment$29,760.95
Closing costs + prepaids$16,220.35
Total buyer cash needed$45,981.30
Remaining funds due$45,981.30
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%)$5,510.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,606.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$477.50
Initial HOA (3 months)$395.01
Prepaid interest, first (19 days)$1,763.64
Fees + prepaids$16,220.35
Your down payment is the seller’s equity. You take over the $521,239 balance, so the rest of the $551,000 price is paid at closing. A second mortgage can cover part of it. $45,981.30 is due at closing. Uses and sources reconcile at $567,220.35 each. Not a Closing Disclosure.