Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,834Cash toward the purchase price.
Closing costs + prepaids$16,705Not just lender fees.
Before credits & paid funds$53,539The complete starting cash picture.
Estimated remaining funds due at closing
$53,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,833.94
Your down payment$36,833.94
Closing costs + prepaids$16,704.60
Total buyer cash needed$53,538.54
Remaining funds due$53,538.54
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,340.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,217.50
Prepaid interest, first (31 days)$2,628.27
Fees + prepaids$16,704.60
Your down payment is the seller’s equity. You take over the $468,166 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $53,538.54 is due at closing. Uses and sources reconcile at $521,704.60 each. Not a Closing Disclosure.