Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,742Cash toward the purchase price.
Closing costs + prepaids$17,826Not just lender fees.
Before credits & paid funds$36,568The complete starting cash picture.
Estimated remaining funds due at closing
$36,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,742.47
Your down payment$18,742.47
Closing costs + prepaids$17,825.62
Total buyer cash needed$36,568.08
Remaining funds due$36,568.08
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,506.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,930.25
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$2,451.08
Fees + prepaids$17,825.62
Your down payment is the seller’s equity. You take over the $501,258 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $36,568.08 is due at closing. Uses and sources reconcile at $537,825.62 each. Not a Closing Disclosure.