Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$15,501Cash toward the purchase price.
Closing costs + prepaids$15,992Not just lender fees.
Before credits & paid funds$31,493The complete starting cash picture.
Estimated remaining funds due at closing
$31,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,500.98
Your down payment$15,500.98
Closing costs + prepaids$15,992.26
Total buyer cash needed$31,493.23
Remaining funds due$31,493.23
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,517.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$228.50
Prepaid interest, first (29 days)$2,588.26
Fees + prepaids$15,992.26
Your down payment is the seller’s equity. You take over the $503,499 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $31,493.23 is due at closing. Uses and sources reconcile at $534,992.26 each. Not a Closing Disclosure.