Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,188Cash toward the purchase price.
Closing costs + prepaids$18,385Not just lender fees.
Before credits & paid funds$54,573The complete starting cash picture.
Estimated remaining funds due at closing
$54,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,187.52
Your down payment$36,187.52
Closing costs + prepaids$18,385.27
Total buyer cash needed$54,572.79
Remaining funds due$54,572.79
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,644.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,586.75
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$2,856.46
Fees + prepaids$18,385.27
Your down payment is the seller’s equity. You take over the $528,812 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $54,572.79 is due at closing. Uses and sources reconcile at $583,385.27 each. Not a Closing Disclosure.