Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$36,834Cash toward the purchase price.
Closing costs + prepaids$16,026Not just lender fees.
Before credits & paid funds$52,860The complete starting cash picture.
Estimated remaining funds due at closing
$52,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,833.94
Your down payment$36,833.94
Closing costs + prepaids$16,026.34
Total buyer cash needed$52,860.28
Remaining funds due$52,860.28
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,340.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,217.50
Prepaid interest, first (23 days)$1,950.01
Fees + prepaids$16,026.34
Your down payment is the seller’s equity. You take over the $468,166 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $52,860.28 is due at closing. Uses and sources reconcile at $521,026.34 each. Not a Closing Disclosure.