Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$13,307Cash toward the purchase price.
Closing costs + prepaids$16,315Not just lender fees.
Before credits & paid funds$29,622The complete starting cash picture.
Estimated remaining funds due at closing
$29,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,307.21
Your down payment$13,307.21
Closing costs + prepaids$16,314.92
Total buyer cash needed$29,622.14
Remaining funds due$29,622.14
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,152.50
Initial HOA (3 months)$122.01
Prepaid interest, first (28 days)$1,988.95
Fees + prepaids$16,314.92
Your down payment is the seller’s equity. You take over the $496,693 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $29,622.14 is due at closing. Uses and sources reconcile at $526,314.92 each. Not a Closing Disclosure.