Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$53,307Cash toward the purchase price.
Closing costs + prepaids$15,544Not just lender fees.
Before credits & paid funds$68,851The complete starting cash picture.
Estimated remaining funds due at closing
$68,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,306.83
Your down payment$53,306.83
Closing costs + prepaids$15,544.45
Total buyer cash needed$68,851.28
Remaining funds due$68,851.28
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%)$2,333.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$178.00
Initial HOA (3 months)$180.99
Prepaid interest, first (29 days)$2,184.00
Fees + prepaids$15,544.45
Your down payment is the seller’s equity. You take over the $466,693 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $68,851.28 is due at closing. Uses and sources reconcile at $535,544.45 each. Not a Closing Disclosure.