Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,351Cash toward the purchase price.
Closing costs + prepaids$16,659Not just lender fees.
Before credits & paid funds$45,009The complete starting cash picture.
Estimated remaining funds due at closing
$45,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,350.65
Your down payment$28,350.65
Closing costs + prepaids$16,658.66
Total buyer cash needed$45,009.31
Remaining funds due$45,009.31
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%)$5,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,448.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,295.00
Prepaid interest, first (27 days)$2,267.41
Fees + prepaids$16,658.66
Your down payment is the seller’s equity. You take over the $489,649 balance, so the rest of the $518,000 price is paid at closing. A second mortgage can cover part of it. $45,009.31 is due at closing. Uses and sources reconcile at $534,658.66 each. Not a Closing Disclosure.