Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,745Cash toward the purchase price.
Closing costs + prepaids$16,578Not just lender fees.
Before credits & paid funds$52,323The complete starting cash picture.
Estimated remaining funds due at closing
$52,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,745.10
Your down payment$35,745.10
Closing costs + prepaids$16,578.21
Total buyer cash needed$52,323.32
Remaining funds due$52,323.32
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,346.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,262.50
Prepaid interest, first (28 days)$2,451.44
Fees + prepaids$16,578.21
Your down payment is the seller’s equity. You take over the $469,255 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $52,323.32 is due at closing. Uses and sources reconcile at $521,578.21 each. Not a Closing Disclosure.