Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,957Cash toward the purchase price.
Closing costs + prepaids$16,433Not just lender fees.
Before credits & paid funds$44,389The complete starting cash picture.
Estimated remaining funds due at closing
$44,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,956.82
Your down payment$27,956.82
Closing costs + prepaids$16,432.53
Total buyer cash needed$44,389.36
Remaining funds due$44,389.36
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,459.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$460.50
Prepaid interest, first (31 days)$2,845.32
Fees + prepaids$16,432.53
Your down payment is the seller’s equity. You take over the $491,943 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $44,389.36 is due at closing. Uses and sources reconcile at $536,332.53 each. Not a Closing Disclosure.