Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,670Cash toward the purchase price.
Closing costs + prepaids$16,577Not just lender fees.
Before credits & paid funds$40,248The complete starting cash picture.
Estimated remaining funds due at closing
$40,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,670.20
Your down payment$23,670.20
Closing costs + prepaids$16,577.44
Total buyer cash needed$40,247.64
Remaining funds due$40,247.64
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,581.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$186.50
Initial HOA (3 months)$468.00
Prepaid interest, first (26 days)$2,474.79
Fees + prepaids$16,577.44
Your down payment is the seller’s equity. You take over the $516,230 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $40,247.64 is due at closing. Uses and sources reconcile at $556,477.44 each. Not a Closing Disclosure.