Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$9,797Cash toward the purchase price.
Closing costs + prepaids$16,332Not just lender fees.
Before credits & paid funds$26,130The complete starting cash picture.
Estimated remaining funds due at closing
$26,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,797.20
Your down payment$9,797.20
Closing costs + prepaids$16,332.39
Total buyer cash needed$26,129.58
Remaining funds due$26,129.58
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,650.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.25
Prepaid interest, first (22 days)$2,220.62
Fees + prepaids$16,332.39
Your down payment is the seller’s equity. You take over the $530,103 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $26,129.58 is due at closing. Uses and sources reconcile at $556,232.39 each. Not a Closing Disclosure.