Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,663Cash toward the purchase price.
Closing costs + prepaids$16,216Not just lender fees.
Before credits & paid funds$37,879The complete starting cash picture.
Estimated remaining funds due at closing
$37,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,663.12
Your down payment$21,663.12
Closing costs + prepaids$16,215.80
Total buyer cash needed$37,878.92
Remaining funds due$37,878.92
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%)$5,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,551.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$351.00
Prepaid interest, first (30 days)$2,525.12
Fees + prepaids$16,215.80
Your down payment is the seller’s equity. You take over the $510,337 balance, so the rest of the $532,000 price is paid at closing. A second mortgage can cover part of it. $37,878.92 is due at closing. Uses and sources reconcile at $548,215.80 each. Not a Closing Disclosure.