Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$51,758Cash toward the purchase price.
Closing costs + prepaids$15,817Not just lender fees.
Before credits & paid funds$67,575The complete starting cash picture.
Estimated remaining funds due at closing
$67,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,758.18
Your down payment$51,758.18
Closing costs + prepaids$15,817.09
Total buyer cash needed$67,575.27
Remaining funds due$67,575.27
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%)$5,095.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,288.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$815.25
Prepaid interest, first (27 days)$2,150.13
Fees + prepaids$15,817.09
Your down payment is the seller’s equity. You take over the $457,742 balance, so the rest of the $509,500 price is paid at closing. A second mortgage can cover part of it. $67,575.27 is due at closing. Uses and sources reconcile at $525,317.09 each. Not a Closing Disclosure.