Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$37,185Cash toward the purchase price.
Closing costs + prepaids$15,535Not just lender fees.
Before credits & paid funds$52,720The complete starting cash picture.
Estimated remaining funds due at closing
$52,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,184.67
Your down payment$37,184.67
Closing costs + prepaids$15,534.94
Total buyer cash needed$52,719.62
Remaining funds due$52,719.62
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,714.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.00
Initial HOA (3 months)$284.01
Prepaid interest, first (6 days)$572.86
Fees + prepaids$15,534.94
Your down payment is the seller’s equity. You take over the $542,815 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $52,719.62 is due at closing. Uses and sources reconcile at $595,534.94 each. Not a Closing Disclosure.