Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,056Cash toward the purchase price.
Closing costs + prepaids$16,805Not just lender fees.
Before credits & paid funds$43,860The complete starting cash picture.
Estimated remaining funds due at closing
$43,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,055.51
Your down payment$27,055.51
Closing costs + prepaids$16,804.52
Total buyer cash needed$43,860.03
Remaining funds due$43,860.03
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,439.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,327.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$2,194.55
Fees + prepaids$16,804.52
Your down payment is the seller’s equity. You take over the $487,944 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $43,860.03 is due at closing. Uses and sources reconcile at $531,804.52 each. Not a Closing Disclosure.