Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,263Cash toward the purchase price.
Closing costs + prepaids$16,738Not just lender fees.
Before credits & paid funds$70,001The complete starting cash picture.
Estimated remaining funds due at closing
$70,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,262.94
Your down payment$53,262.94
Closing costs + prepaids$16,738.21
Total buyer cash needed$70,001.14
Remaining funds due$70,001.14
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%)$2,308.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$767.00
Initial HOA (3 months)$369.99
Prepaid interest, first (31 days)$2,674.53
Fees + prepaids$16,738.21
Your down payment is the seller’s equity. You take over the $461,737 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $70,001.14 is due at closing. Uses and sources reconcile at $531,738.21 each. Not a Closing Disclosure.