Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,935Cash toward the purchase price.
Closing costs + prepaids$18,326Not just lender fees.
Before credits & paid funds$25,261The complete starting cash picture.
Estimated remaining funds due at closing
$25,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,934.93
Your down payment$6,934.93
Closing costs + prepaids$18,325.82
Total buyer cash needed$25,260.76
Remaining funds due$25,260.76
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,515.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.00
Initial HOA (3 months)$1,590.00
Prepaid interest, first (25 days)$2,377.50
Fees + prepaids$18,325.82
Your down payment is the seller’s equity. You take over the $503,065 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $25,260.76 is due at closing. Uses and sources reconcile at $528,325.82 each. Not a Closing Disclosure.