Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,233Cash toward the purchase price.
Closing costs + prepaids$16,886Not just lender fees.
Before credits & paid funds$60,119The complete starting cash picture.
Estimated remaining funds due at closing
$60,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,232.63
Your down payment$43,232.63
Closing costs + prepaids$16,886.16
Total buyer cash needed$60,118.79
Remaining funds due$60,118.79
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%)$2,378.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,297.50
Initial HOA (3 months)$99.99
Prepaid interest, first (30 days)$2,451.83
Fees + prepaids$16,886.16
Your down payment is the seller’s equity. You take over the $475,767 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $60,118.79 is due at closing. Uses and sources reconcile at $535,886.16 each. Not a Closing Disclosure.