Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,972Cash toward the purchase price.
Closing costs + prepaids$17,787Not just lender fees.
Before credits & paid funds$51,759The complete starting cash picture.
Estimated remaining funds due at closing
$51,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,972.39
Your down payment$33,972.39
Closing costs + prepaids$17,786.60
Total buyer cash needed$51,759.00
Remaining funds due$51,759.00
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,505.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,708.50
Prepaid interest, first (30 days)$2,754.97
Fees + prepaids$17,786.60
Your down payment is the seller’s equity. You take over the $501,028 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $51,759.00 is due at closing. Uses and sources reconcile at $552,786.60 each. Not a Closing Disclosure.