Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$30,035Cash toward the purchase price.
Closing costs + prepaids$15,514Not just lender fees.
Before credits & paid funds$45,549The complete starting cash picture.
Estimated remaining funds due at closing
$45,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,034.81
Your down payment$30,034.81
Closing costs + prepaids$15,514.26
Total buyer cash needed$45,549.06
Remaining funds due$45,549.06
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%)$2,624.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.00
Initial HOA (3 months)$125.01
Prepaid interest, first (12 days)$1,080.42
Fees + prepaids$15,514.26
Your down payment is the seller’s equity. You take over the $524,965 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $45,549.06 is due at closing. Uses and sources reconcile at $570,514.26 each. Not a Closing Disclosure.