Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,950Cash toward the purchase price.
Closing costs + prepaids$15,851Not just lender fees.
Before credits & paid funds$39,802The complete starting cash picture.
Estimated remaining funds due at closing
$39,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,950.44
Your down payment$23,950.44
Closing costs + prepaids$15,851.26
Total buyer cash needed$39,801.70
Remaining funds due$39,801.70
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%)$2,455.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$496.25
Initial HOA (3 months)$225.00
Prepaid interest, first (24 days)$2,056.76
Fees + prepaids$15,851.26
Your down payment is the seller’s equity. You take over the $491,050 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $39,801.70 is due at closing. Uses and sources reconcile at $530,851.26 each. Not a Closing Disclosure.