Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,059Cash toward the purchase price.
Closing costs + prepaids$17,330Not just lender fees.
Before credits & paid funds$34,389The complete starting cash picture.
Estimated remaining funds due at closing
$34,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,059.31
Your down payment$17,059.31
Closing costs + prepaids$17,329.99
Total buyer cash needed$34,389.30
Remaining funds due$34,389.30
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%)$2,514.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.00
Initial HOA (3 months)$189.00
Prepaid interest, first (28 days)$2,658.28
Fees + prepaids$17,329.99
Your down payment is the seller’s equity. You take over the $502,941 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $34,389.30 is due at closing. Uses and sources reconcile at $537,329.99 each. Not a Closing Disclosure.