Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$31,442Cash toward the purchase price.
Closing costs + prepaids$16,424Not just lender fees.
Before credits & paid funds$47,865The complete starting cash picture.
Estimated remaining funds due at closing
$47,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,441.56
Your down payment$31,441.56
Closing costs + prepaids$16,423.85
Total buyer cash needed$47,865.40
Remaining funds due$47,865.40
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,387.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,016.75
Initial HOA (3 months)$345.00
Prepaid interest, first (25 days)$2,116.30
Fees + prepaids$16,423.85
Your down payment is the seller’s equity. You take over the $477,558 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $47,865.40 is due at closing. Uses and sources reconcile at $525,423.85 each. Not a Closing Disclosure.