Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$31,522Cash toward the purchase price.
Closing costs + prepaids$15,122Not just lender fees.
Before credits & paid funds$46,644The complete starting cash picture.
Estimated remaining funds due at closing
$46,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,521.52
Your down payment$31,521.52
Closing costs + prepaids$15,122.31
Total buyer cash needed$46,643.84
Remaining funds due$46,643.84
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%)$2,491.89
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 (18 days)$1,226.42
Fees + prepaids$15,122.31
Your down payment is the seller’s equity. You take over the $498,378 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $46,643.84 is due at closing. Uses and sources reconcile at $545,022.31 each. Not a Closing Disclosure.