Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,290Cash toward the purchase price.
Closing costs + prepaids$15,483Not just lender fees.
Before credits & paid funds$33,774The complete starting cash picture.
Estimated remaining funds due at closing
$33,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,290.42
Your down payment$18,290.42
Closing costs + prepaids$15,483.46
Total buyer cash needed$33,773.89
Remaining funds due$33,773.89
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%)$2,508.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,930.25
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$106.66
Fees + prepaids$15,483.46
Your down payment is the seller’s equity. You take over the $501,710 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $33,773.89 is due at closing. Uses and sources reconcile at $535,483.46 each. Not a Closing Disclosure.