Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,200Cash toward the purchase price.
Closing costs + prepaids$16,795Not just lender fees.
Before credits & paid funds$39,994The complete starting cash picture.
Estimated remaining funds due at closing
$39,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,199.72
Your down payment$23,199.72
Closing costs + prepaids$16,794.60
Total buyer cash needed$39,994.32
Remaining funds due$39,994.32
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,484.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$906.25
Prepaid interest, first (28 days)$2,736.35
Fees + prepaids$16,794.60
Your down payment is the seller’s equity. You take over the $496,800 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $39,994.32 is due at closing. Uses and sources reconcile at $536,794.60 each. Not a Closing Disclosure.