Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$41,168Cash toward the purchase price.
Closing costs + prepaids$15,467Not just lender fees.
Before credits & paid funds$56,635The complete starting cash picture.
Estimated remaining funds due at closing
$56,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,167.83
Your down payment$41,167.83
Closing costs + prepaids$15,467.22
Total buyer cash needed$56,635.05
Remaining funds due$56,635.05
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,344.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$368.25
Prepaid interest, first (25 days)$2,186.81
Fees + prepaids$15,467.22
Your down payment is the seller’s equity. You take over the $468,832 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $56,635.05 is due at closing. Uses and sources reconcile at $525,467.22 each. Not a Closing Disclosure.