Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,038Cash toward the purchase price.
Closing costs + prepaids$17,116Not just lender fees.
Before credits & paid funds$50,154The complete starting cash picture.
Estimated remaining funds due at closing
$50,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,037.77
Your down payment$33,037.77
Closing costs + prepaids$17,115.99
Total buyer cash needed$50,153.76
Remaining funds due$50,153.76
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,429.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,134.75
Initial HOA (3 months)$660.00
Prepaid interest, first (25 days)$2,233.43
Fees + prepaids$17,115.99
Your down payment is the seller’s equity. You take over the $485,962 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $50,153.76 is due at closing. Uses and sources reconcile at $536,115.99 each. Not a Closing Disclosure.