Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,727Cash toward the purchase price.
Closing costs + prepaids$16,551Not just lender fees.
Before credits & paid funds$32,277The complete starting cash picture.
Estimated remaining funds due at closing
$32,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,726.73
Your down payment$15,726.73
Closing costs + prepaids$16,550.56
Total buyer cash needed$32,277.29
Remaining funds due$32,277.29
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%)$5,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,583.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.00
Prepaid interest, first (30 days)$2,586.70
Fees + prepaids$16,550.56
Your down payment is the seller’s equity. You take over the $516,773 balance, so the rest of the $532,500 price is paid at closing. A second mortgage can cover part of it. $32,277.29 is due at closing. Uses and sources reconcile at $549,050.56 each. Not a Closing Disclosure.