Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,353Cash toward the purchase price.
Closing costs + prepaids$13,642Not just lender fees.
Before credits & paid funds$37,994The complete starting cash picture.
Estimated remaining funds due at closing
$37,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,352.61
Your down payment$24,352.61
Closing costs + prepaids$13,641.86
Total buyer cash needed$37,994.46
Remaining funds due$37,994.46
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%)$2,453.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$348.50
Initial HOA (3 months)$110.01
Prepaid interest, first (2 days)$112.11
Fees + prepaids$13,641.86
Your down payment is the seller’s equity. You take over the $490,647 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $37,994.46 is due at closing. Uses and sources reconcile at $528,641.86 each. Not a Closing Disclosure.