Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$30,886Cash toward the purchase price.
Closing costs + prepaids$20,164Not just lender fees.
Before credits & paid funds$51,050The complete starting cash picture.
Estimated remaining funds due at closing
$51,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,885.87
Your down payment$30,885.87
Closing costs + prepaids$20,163.76
Total buyer cash needed$51,049.63
Remaining funds due$51,049.63
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,720.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$1,845.00
Prepaid interest, first (30 days)$2,942.69
Fees + prepaids$20,163.76
Your down payment is the seller’s equity. You take over the $544,114 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $51,049.63 is due at closing. Uses and sources reconcile at $595,163.76 each. Not a Closing Disclosure.