Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,972Cash toward the purchase price.
Closing costs + prepaids$17,147Not just lender fees.
Before credits & paid funds$52,119The complete starting cash picture.
Estimated remaining funds due at closing
$52,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,972.49
Your down payment$34,972.49
Closing costs + prepaids$17,146.77
Total buyer cash needed$52,119.27
Remaining funds due$52,119.27
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%)$2,400.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,004.25
Initial HOA (3 months)$209.01
Prepaid interest, first (22 days)$1,915.38
Fees + prepaids$17,146.77
Your down payment is the seller’s equity. You take over the $480,028 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $52,119.27 is due at closing. Uses and sources reconcile at $532,146.77 each. Not a Closing Disclosure.