Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,172Cash toward the purchase price.
Closing costs + prepaids$15,808Not just lender fees.
Before credits & paid funds$49,980The complete starting cash picture.
Estimated remaining funds due at closing
$49,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,171.90
Your down payment$34,171.90
Closing costs + prepaids$15,807.98
Total buyer cash needed$49,979.88
Remaining funds due$49,979.88
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,479.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$181.00
Initial HOA (3 months)$249.00
Prepaid interest, first (23 days)$2,130.84
Fees + prepaids$15,807.98
Your down payment is the seller’s equity. You take over the $495,828 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $49,979.88 is due at closing. Uses and sources reconcile at $545,807.98 each. Not a Closing Disclosure.