Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,618Cash toward the purchase price.
Closing costs + prepaids$18,883Not just lender fees.
Before credits & paid funds$58,501The complete starting cash picture.
Estimated remaining funds due at closing
$58,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,618.29
Your down payment$39,618.29
Closing costs + prepaids$18,882.99
Total buyer cash needed$58,501.28
Remaining funds due$58,501.28
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%)$2,451.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,811.50
Initial HOA (3 months)$1,583.01
Prepaid interest, first (26 days)$2,270.07
Fees + prepaids$18,882.99
Your down payment is the seller’s equity. You take over the $490,282 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $58,501.28 is due at closing. Uses and sources reconcile at $548,782.99 each. Not a Closing Disclosure.