Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$16,298Cash toward the purchase price.
Closing costs + prepaids$17,900Not just lender fees.
Before credits & paid funds$34,198The complete starting cash picture.
Estimated remaining funds due at closing
$34,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,297.93
Your down payment$16,297.93
Closing costs + prepaids$17,899.89
Total buyer cash needed$34,197.82
Remaining funds due$34,197.82
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,468.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,303.00
Initial HOA (3 months)$288.00
Prepaid interest, first (25 days)$2,272.38
Fees + prepaids$17,899.89
Your down payment is the seller’s equity. You take over the $493,702 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $34,197.82 is due at closing. Uses and sources reconcile at $527,899.89 each. Not a Closing Disclosure.