Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,115Cash toward the purchase price.
Closing costs + prepaids$15,322Not just lender fees.
Before credits & paid funds$41,437The complete starting cash picture.
Estimated remaining funds due at closing
$41,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,115.26
Your down payment$26,115.26
Closing costs + prepaids$15,322.19
Total buyer cash needed$41,437.45
Remaining funds due$41,437.45
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,468.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$392.50
Initial HOA (3 months)$228.00
Prepaid interest, first (18 days)$1,565.77
Fees + prepaids$15,322.19
Your down payment is the seller’s equity. You take over the $493,785 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $41,437.45 is due at closing. Uses and sources reconcile at $535,222.19 each. Not a Closing Disclosure.