Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$14,341Cash toward the purchase price.
Closing costs + prepaids$17,224Not just lender fees.
Before credits & paid funds$31,564The complete starting cash picture.
Estimated remaining funds due at closing
$31,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,340.60
Your down payment$14,340.60
Closing costs + prepaids$17,223.76
Total buyer cash needed$31,564.36
Remaining funds due$31,564.36
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%)$2,503.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.00
Initial HOA (3 months)$27.51
Prepaid interest, first (29 days)$2,700.95
Fees + prepaids$17,223.76
Your down payment is the seller’s equity. You take over the $500,659 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $31,564.36 is due at closing. Uses and sources reconcile at $532,223.76 each. Not a Closing Disclosure.