Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,928Cash toward the purchase price.
Closing costs + prepaids$17,516Not just lender fees.
Before credits & paid funds$49,444The complete starting cash picture.
Estimated remaining funds due at closing
$49,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,927.71
Your down payment$31,927.71
Closing costs + prepaids$17,515.98
Total buyer cash needed$49,443.68
Remaining funds due$49,443.68
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%)$5,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,537.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,663.75
Prepaid interest, first (26 days)$2,451.37
Fees + prepaids$17,515.98
Your down payment is the seller’s equity. You take over the $507,572 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $49,443.68 is due at closing. Uses and sources reconcile at $557,015.98 each. Not a Closing Disclosure.