Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$22,108Cash toward the purchase price.
Closing costs + prepaids$15,557Not just lender fees.
Before credits & paid funds$37,665The complete starting cash picture.
Estimated remaining funds due at closing
$37,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,107.76
Your down payment$22,107.76
Closing costs + prepaids$15,556.95
Total buyer cash needed$37,664.72
Remaining funds due$37,664.72
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,638.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$117.99
Prepaid interest, first (12 days)$1,173.00
Fees + prepaids$15,556.95
Your down payment is the seller’s equity. You take over the $527,792 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $37,664.72 is due at closing. Uses and sources reconcile at $565,456.95 each. Not a Closing Disclosure.