Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,412Cash toward the purchase price.
Closing costs + prepaids$16,912Not just lender fees.
Before credits & paid funds$32,324The complete starting cash picture.
Estimated remaining funds due at closing
$32,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,411.57
Your down payment$15,411.57
Closing costs + prepaids$16,911.95
Total buyer cash needed$32,323.52
Remaining funds due$32,323.52
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,572.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,452.25
Prepaid interest, first (23 days)$2,120.26
Fees + prepaids$16,911.95
Your down payment is the seller’s equity. You take over the $514,488 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $32,323.52 is due at closing. Uses and sources reconcile at $546,811.95 each. Not a Closing Disclosure.