Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,043Cash toward the purchase price.
Closing costs + prepaids$16,518Not just lender fees.
Before credits & paid funds$47,561The complete starting cash picture.
Estimated remaining funds due at closing
$47,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,042.73
Your down payment$31,042.73
Closing costs + prepaids$16,518.47
Total buyer cash needed$47,561.20
Remaining funds due$47,561.20
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,544.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,155.75
Prepaid interest, first (23 days)$1,949.93
Fees + prepaids$16,518.47
Your down payment is the seller’s equity. You take over the $508,957 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $47,561.20 is due at closing. Uses and sources reconcile at $556,518.47 each. Not a Closing Disclosure.