Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$33,707Cash toward the purchase price.
Closing costs + prepaids$16,210Not just lender fees.
Before credits & paid funds$49,917The complete starting cash picture.
Estimated remaining funds due at closing
$49,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,707.26
Your down payment$33,707.26
Closing costs + prepaids$16,210.19
Total buyer cash needed$49,917.44
Remaining funds due$49,917.44
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%)$2,706.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Initial HOA (3 months)$525.00
Prepaid interest, first (10 days)$1,070.72
Fees + prepaids$16,210.19
Your down payment is the seller’s equity. You take over the $541,293 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $49,917.44 is due at closing. Uses and sources reconcile at $591,210.19 each. Not a Closing Disclosure.