Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,006Cash toward the purchase price.
Closing costs + prepaids$16,634Not just lender fees.
Before credits & paid funds$37,639The complete starting cash picture.
Estimated remaining funds due at closing
$37,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,005.55
Your down payment$21,005.55
Closing costs + prepaids$16,633.77
Total buyer cash needed$37,639.32
Remaining funds due$37,639.32
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%)$5,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,567.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.75
Prepaid interest, first (26 days)$2,377.55
Fees + prepaids$16,633.77
Your down payment is the seller’s equity. You take over the $513,494 balance, so the rest of the $534,500 price is paid at closing. A second mortgage can cover part of it. $37,639.32 is due at closing. Uses and sources reconcile at $551,133.77 each. Not a Closing Disclosure.