Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,245Cash toward the purchase price.
Closing costs + prepaids$16,287Not just lender fees.
Before credits & paid funds$34,533The complete starting cash picture.
Estimated remaining funds due at closing
$34,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,245.21
Your down payment$18,245.21
Closing costs + prepaids$16,287.41
Total buyer cash needed$34,532.62
Remaining funds due$34,532.62
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,054.75
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$2,055.88
Fees + prepaids$16,287.41
Your down payment is the seller’s equity. You take over the $496,755 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $34,532.62 is due at closing. Uses and sources reconcile at $531,287.41 each. Not a Closing Disclosure.