Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,182Cash toward the purchase price.
Closing costs + prepaids$16,465Not just lender fees.
Before credits & paid funds$55,647The complete starting cash picture.
Estimated remaining funds due at closing
$55,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,181.82
Your down payment$39,181.82
Closing costs + prepaids$16,465.31
Total buyer cash needed$55,647.13
Remaining funds due$55,647.13
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,599.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$749.50
Initial HOA (3 months)$354.00
Prepaid interest, first (18 days)$1,704.72
Fees + prepaids$16,465.31
Your down payment is the seller’s equity. You take over the $519,818 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $55,647.13 is due at closing. Uses and sources reconcile at $575,465.31 each. Not a Closing Disclosure.