Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,077Cash toward the purchase price.
Closing costs + prepaids$15,798Not just lender fees.
Before credits & paid funds$66,875The complete starting cash picture.
Estimated remaining funds due at closing
$66,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,076.80
Your down payment$51,076.80
Closing costs + prepaids$15,798.32
Total buyer cash needed$66,875.12
Remaining funds due$66,875.12
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%)$2,319.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.00
Initial HOA (3 months)$154.50
Prepaid interest, first (28 days)$2,249.20
Fees + prepaids$15,798.32
Your down payment is the seller’s equity. You take over the $463,923 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $66,875.12 is due at closing. Uses and sources reconcile at $530,798.32 each. Not a Closing Disclosure.