Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$29,730Cash toward the purchase price.
Closing costs + prepaids$17,490Not just lender fees.
Before credits & paid funds$47,220The complete starting cash picture.
Estimated remaining funds due at closing
$47,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,730.09
Your down payment$29,730.09
Closing costs + prepaids$17,490.04
Total buyer cash needed$47,220.13
Remaining funds due$47,220.13
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%)$5,140.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,421.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,967.25
Prepaid interest, first (30 days)$2,492.12
Fees + prepaids$17,490.04
Your down payment is the seller’s equity. You take over the $484,358 balance, so the rest of the $514,088 price is paid at closing. A second mortgage can cover part of it. $47,220.13 is due at closing. Uses and sources reconcile at $531,578.04 each. Not a Closing Disclosure.