Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,798Cash toward the purchase price.
Closing costs + prepaids$15,970Not just lender fees.
Before credits & paid funds$53,768The complete starting cash picture.
Estimated remaining funds due at closing
$53,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,798.36
Your down payment$37,798.36
Closing costs + prepaids$15,969.74
Total buyer cash needed$53,768.11
Remaining funds due$53,768.11
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%)$2,386.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$939.00
Prepaid interest, first (23 days)$2,026.73
Fees + prepaids$15,969.74
Your down payment is the seller’s equity. You take over the $477,202 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $53,768.11 is due at closing. Uses and sources reconcile at $530,969.74 each. Not a Closing Disclosure.