Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$7,745Cash toward the purchase price.
Closing costs + prepaids$16,145Not just lender fees.
Before credits & paid funds$23,891The complete starting cash picture.
Estimated remaining funds due at closing
$23,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,745.15
Your down payment$7,745.15
Closing costs + prepaids$16,145.44
Total buyer cash needed$23,890.59
Remaining funds due$23,890.59
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,561.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$245.50
Initial HOA (3 months)$195.00
Prepaid interest, first (28 days)$2,475.66
Fees + prepaids$16,145.44
Your down payment is the seller’s equity. You take over the $512,255 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $23,890.59 is due at closing. Uses and sources reconcile at $536,145.44 each. Not a Closing Disclosure.