Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,945Cash toward the purchase price.
Closing costs + prepaids$15,449Not just lender fees.
Before credits & paid funds$45,394The complete starting cash picture.
Estimated remaining funds due at closing
$45,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,944.93
Your down payment$29,944.93
Closing costs + prepaids$15,448.62
Total buyer cash needed$45,393.54
Remaining funds due$45,393.54
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%)$2,450.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.00
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$1,005.35
Fees + prepaids$15,448.62
Your down payment is the seller’s equity. You take over the $490,055 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $45,393.54 is due at closing. Uses and sources reconcile at $535,448.62 each. Not a Closing Disclosure.