Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,019Cash toward the purchase price.
Closing costs + prepaids$15,408Not just lender fees.
Before credits & paid funds$48,428The complete starting cash picture.
Estimated remaining funds due at closing
$48,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,019.03
Your down payment$33,019.03
Closing costs + prepaids$15,408.49
Total buyer cash needed$48,427.51
Remaining funds due$48,427.51
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%)$2,409.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$342.00
Prepaid interest, first (31 days)$2,038.58
Fees + prepaids$15,408.49
Your down payment is the seller’s equity. You take over the $481,981 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $48,427.51 is due at closing. Uses and sources reconcile at $530,408.49 each. Not a Closing Disclosure.