Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,244Cash toward the purchase price.
Closing costs + prepaids$16,209Not just lender fees.
Before credits & paid funds$35,453The complete starting cash picture.
Estimated remaining funds due at closing
$35,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,244.26
Your down payment$19,244.26
Closing costs + prepaids$16,209.21
Total buyer cash needed$35,453.47
Remaining funds due$35,453.47
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%)$2,498.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$935.25
Initial HOA (3 months)$67.50
Prepaid interest, first (30 days)$2,049.68
Fees + prepaids$16,209.21
Your down payment is the seller’s equity. You take over the $499,756 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $35,453.47 is due at closing. Uses and sources reconcile at $535,209.21 each. Not a Closing Disclosure.