Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,909Cash toward the purchase price.
Closing costs + prepaids$17,821Not just lender fees.
Before credits & paid funds$29,730The complete starting cash picture.
Estimated remaining funds due at closing
$29,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,909.06
Your down payment$11,909.06
Closing costs + prepaids$17,820.73
Total buyer cash needed$29,729.79
Remaining funds due$29,729.79
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%)$2,715.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$992.25
Prepaid interest, first (31 days)$3,095.02
Fees + prepaids$17,820.73
Your down payment is the seller’s equity. You take over the $543,091 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $29,729.79 is due at closing. Uses and sources reconcile at $572,820.73 each. Not a Closing Disclosure.