Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,929Cash toward the purchase price.
Closing costs + prepaids$15,868Not just lender fees.
Before credits & paid funds$51,798The complete starting cash picture.
Estimated remaining funds due at closing
$51,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,929.33
Your down payment$35,929.33
Closing costs + prepaids$15,868.23
Total buyer cash needed$51,797.57
Remaining funds due$51,797.57
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,420.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$193.75
Prepaid interest, first (30 days)$2,586.13
Fees + prepaids$15,868.23
Your down payment is the seller’s equity. You take over the $484,071 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $51,797.57 is due at closing. Uses and sources reconcile at $535,868.23 each. Not a Closing Disclosure.