Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$32,905Cash toward the purchase price.
Closing costs + prepaids$16,227Not just lender fees.
Before credits & paid funds$49,132The complete starting cash picture.
Estimated remaining funds due at closing
$49,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,904.91
Your down payment$32,904.91
Closing costs + prepaids$16,227.00
Total buyer cash needed$49,131.92
Remaining funds due$49,131.92
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,584.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Prepaid interest, first (18 days)$1,300.28
Fees + prepaids$16,227.00
Your down payment is the seller’s equity. You take over the $516,995 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $49,131.92 is due at closing. Uses and sources reconcile at $566,127.00 each. Not a Closing Disclosure.