Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,730Cash toward the purchase price.
Closing costs + prepaids$16,825Not just lender fees.
Before credits & paid funds$46,556The complete starting cash picture.
Estimated remaining funds due at closing
$46,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,730.09
Your down payment$29,730.09
Closing costs + prepaids$16,825.47
Total buyer cash needed$46,555.56
Remaining funds due$46,555.56
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%)$5,140.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,421.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,967.25
Prepaid interest, first (22 days)$1,827.56
Fees + prepaids$16,825.47
Your down payment is the seller’s equity. You take over the $484,358 balance, so the rest of the $514,088 price is paid at closing. A second mortgage can cover part of it. $46,555.56 is due at closing. Uses and sources reconcile at $530,913.47 each. Not a Closing Disclosure.