Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$39,182Cash toward the purchase price.
Closing costs + prepaids$15,534Not just lender fees.
Before credits & paid funds$54,716The complete starting cash picture.
Estimated remaining funds due at closing
$54,716No 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$15,534.20
Total buyer cash needed$54,716.02
Remaining funds due$54,716.02
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%)$5,590.00
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)$670.75
Initial HOA (3 months)$354.00
Prepaid interest, first (9 days)$852.36
Fees + prepaids$15,534.20
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. $54,716.02 is due at closing. Uses and sources reconcile at $574,534.20 each. Not a Closing Disclosure.