Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$9,525Cash toward the purchase price.
Closing costs + prepaids$16,285Not just lender fees.
Before credits & paid funds$25,810The complete starting cash picture.
Estimated remaining funds due at closing
$25,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,525.39
Your down payment$9,525.39
Closing costs + prepaids$16,284.70
Total buyer cash needed$25,810.09
Remaining funds due$25,810.09
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,702.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Initial HOA (3 months)$1,149.00
Prepaid interest, first (2 days)$90.33
Fees + prepaids$16,284.70
Your down payment is the seller’s equity. You take over the $540,475 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $25,810.09 is due at closing. Uses and sources reconcile at $566,284.70 each. Not a Closing Disclosure.