Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,522Cash toward the purchase price.
Closing costs + prepaids$15,717Not just lender fees.
Before credits & paid funds$52,239The complete starting cash picture.
Estimated remaining funds due at closing
$52,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,521.52
Your down payment$36,521.52
Closing costs + prepaids$15,717.39
Total buyer cash needed$52,238.91
Remaining funds due$52,238.91
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%)$5,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,491.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$472.00
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$1,771.50
Fees + prepaids$15,717.39
Your down payment is the seller’s equity. You take over the $498,378 balance, so the rest of the $534,900 price is paid at closing. A second mortgage can cover part of it. $52,238.91 is due at closing. Uses and sources reconcile at $550,617.39 each. Not a Closing Disclosure.