Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,245Cash toward the purchase price.
Closing costs + prepaids$17,949Not just lender fees.
Before credits & paid funds$22,194The complete starting cash picture.
Estimated remaining funds due at closing
$22,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,244.97
Your down payment$4,244.97
Closing costs + prepaids$17,949.27
Total buyer cash needed$22,194.24
Remaining funds due$22,194.24
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,703.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$977.75
Initial HOA (3 months)$291.00
Prepaid interest, first (31 days)$3,058.75
Fees + prepaids$17,949.27
Your down payment is the seller’s equity. You take over the $540,755 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $22,194.24 is due at closing. Uses and sources reconcile at $562,949.27 each. Not a Closing Disclosure.