Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,866Cash toward the purchase price.
Closing costs + prepaids$16,701Not just lender fees.
Before credits & paid funds$50,567The complete starting cash picture.
Estimated remaining funds due at closing
$50,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,865.71
Your down payment$33,865.71
Closing costs + prepaids$16,701.32
Total buyer cash needed$50,567.02
Remaining funds due$50,567.02
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,480.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,227.75
Initial HOA (3 months)$35.01
Prepaid interest, first (30 days)$2,191.38
Fees + prepaids$16,701.32
Your down payment is the seller’s equity. You take over the $496,034 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $50,567.02 is due at closing. Uses and sources reconcile at $546,601.32 each. Not a Closing Disclosure.