Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,231Cash toward the purchase price.
Closing costs + prepaids$17,660Not just lender fees.
Before credits & paid funds$32,892The complete starting cash picture.
Estimated remaining funds due at closing
$32,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,231.33
Your down payment$15,231.33
Closing costs + prepaids$17,660.46
Total buyer cash needed$32,891.79
Remaining funds due$32,891.79
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%)$5,359.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,603.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$745.75
Initial HOA (3 months)$600.00
Prepaid interest, first (30 days)$2,884.36
Fees + prepaids$17,660.46
Your down payment is the seller’s equity. You take over the $520,669 balance, so the rest of the $535,900 price is paid at closing. A second mortgage can cover part of it. $32,891.79 is due at closing. Uses and sources reconcile at $553,560.46 each. Not a Closing Disclosure.