Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$23,367Cash toward the purchase price.
Closing costs + prepaids$15,410Not just lender fees.
Before credits & paid funds$38,777The complete starting cash picture.
Estimated remaining funds due at closing
$38,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,367.44
Your down payment$23,367.44
Closing costs + prepaids$15,409.51
Total buyer cash needed$38,776.95
Remaining funds due$38,776.95
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%)$5,379.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,572.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.50
Prepaid interest, first (15 days)$1,317.34
Fees + prepaids$15,409.51
Your down payment is the seller’s equity. You take over the $514,533 balance, so the rest of the $537,900 price is paid at closing. A second mortgage can cover part of it. $38,776.95 is due at closing. Uses and sources reconcile at $553,309.51 each. Not a Closing Disclosure.