Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,677Cash toward the purchase price.
Closing costs + prepaids$15,442Not just lender fees.
Before credits & paid funds$35,119The complete starting cash picture.
Estimated remaining funds due at closing
$35,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,676.95
Your down payment$19,676.95
Closing costs + prepaids$15,442.13
Total buyer cash needed$35,119.08
Remaining funds due$35,119.08
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,376.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$454.00
Initial HOA (3 months)$87.51
Prepaid interest, first (26 days)$2,106.01
Fees + prepaids$15,442.13
Your down payment is the seller’s equity. You take over the $475,323 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $35,119.08 is due at closing. Uses and sources reconcile at $510,442.13 each. Not a Closing Disclosure.