Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$27,957Cash toward the purchase price.
Closing costs + prepaids$15,606Not just lender fees.
Before credits & paid funds$43,563The complete starting cash picture.
Estimated remaining funds due at closing
$43,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,956.82
Your down payment$27,956.82
Closing costs + prepaids$15,606.47
Total buyer cash needed$43,563.30
Remaining funds due$43,563.30
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,459.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$460.50
Prepaid interest, first (22 days)$2,019.26
Fees + prepaids$15,606.47
Your down payment is the seller’s equity. You take over the $491,943 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $43,563.30 is due at closing. Uses and sources reconcile at $535,506.47 each. Not a Closing Disclosure.