Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,440Cash toward the purchase price.
Closing costs + prepaids$16,390Not just lender fees.
Before credits & paid funds$38,830The complete starting cash picture.
Estimated remaining funds due at closing
$38,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,440.49
Your down payment$22,440.49
Closing costs + prepaids$16,389.92
Total buyer cash needed$38,830.41
Remaining funds due$38,830.41
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,462.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,204.75
Prepaid interest, first (23 days)$2,104.38
Fees + prepaids$16,389.92
Your down payment is the seller’s equity. You take over the $492,560 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $38,830.41 is due at closing. Uses and sources reconcile at $531,389.92 each. Not a Closing Disclosure.