Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,300Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$51,422The complete starting cash picture.
Estimated remaining funds due at closing
$51,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,300.09
Your down payment$37,300.09
Closing costs + prepaids$14,121.92
Total buyer cash needed$51,422.01
Remaining funds due$51,422.01
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,388.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$939.00
Prepaid interest, first (2 days)$176.42
Fees + prepaids$14,121.92
Your down payment is the seller’s equity. You take over the $477,700 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $51,422.01 is due at closing. Uses and sources reconcile at $529,121.92 each. Not a Closing Disclosure.