Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,183Cash toward the purchase price.
Closing costs + prepaids$16,626Not just lender fees.
Before credits & paid funds$33,809The complete starting cash picture.
Estimated remaining funds due at closing
$33,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,182.68
Your down payment$17,182.68
Closing costs + prepaids$16,625.99
Total buyer cash needed$33,808.66
Remaining funds due$33,808.66
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,589.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$836.25
Initial HOA (3 months)$141.00
Prepaid interest, first (23 days)$2,241.65
Fees + prepaids$16,625.99
Your down payment is the seller’s equity. You take over the $517,817 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $33,808.66 is due at closing. Uses and sources reconcile at $551,625.99 each. Not a Closing Disclosure.