Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,946Cash toward the purchase price.
Closing costs + prepaids$18,083Not just lender fees.
Before credits & paid funds$33,029The complete starting cash picture.
Estimated remaining funds due at closing
$33,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,946.24
Your down payment$14,946.24
Closing costs + prepaids$18,082.81
Total buyer cash needed$33,029.04
Remaining funds due$33,029.04
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%)$5,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,485.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,736.75
Initial HOA (3 months)$1,002.00
Prepaid interest, first (25 days)$2,270.79
Fees + prepaids$18,082.81
Your down payment is the seller’s equity. You take over the $497,054 balance, so the rest of the $512,000 price is paid at closing. A second mortgage can cover part of it. $33,029.04 is due at closing. Uses and sources reconcile at $530,082.81 each. Not a Closing Disclosure.