Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,700Cash toward the purchase price.
Closing costs + prepaids$16,703Not just lender fees.
Before credits & paid funds$46,403The complete starting cash picture.
Estimated remaining funds due at closing
$46,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,700.50
Your down payment$29,700.50
Closing costs + prepaids$16,702.89
Total buyer cash needed$46,403.39
Remaining funds due$46,403.39
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,546.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,230.50
Prepaid interest, first (26 days)$2,067.90
Fees + prepaids$16,702.89
Your down payment is the seller’s equity. You take over the $509,300 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $46,403.39 is due at closing. Uses and sources reconcile at $555,702.89 each. Not a Closing Disclosure.