Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,116Cash toward the purchase price.
Closing costs + prepaids$16,921Not just lender fees.
Before credits & paid funds$46,037The complete starting cash picture.
Estimated remaining funds due at closing
$46,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,115.62
Your down payment$29,115.62
Closing costs + prepaids$16,921.08
Total buyer cash needed$46,036.70
Remaining funds due$46,036.70
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%)$2,529.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,264.25
Initial HOA (3 months)$123.99
Prepaid interest, first (24 days)$2,185.42
Fees + prepaids$16,921.08
Your down payment is the seller’s equity. You take over the $505,884 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $46,036.70 is due at closing. Uses and sources reconcile at $551,921.08 each. Not a Closing Disclosure.