Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,215Cash toward the purchase price.
Closing costs + prepaids$15,307Not just lender fees.
Before credits & paid funds$53,521The complete starting cash picture.
Estimated remaining funds due at closing
$53,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,214.75
Your down payment$38,214.75
Closing costs + prepaids$15,306.62
Total buyer cash needed$53,521.37
Remaining funds due$53,521.37
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%)$5,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,423.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,105.75
Initial HOA (3 months)$56.25
Prepaid interest, first (28 days)$1,022.70
Fees + prepaids$15,306.62
Your down payment is the seller’s equity. You take over the $484,785 balance, so the rest of the $523,000 price is paid at closing. A second mortgage can cover part of it. $53,521.37 is due at closing. Uses and sources reconcile at $538,306.62 each. Not a Closing Disclosure.