Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$19,634Cash toward the purchase price.
Closing costs + prepaids$14,958Not just lender fees.
Before credits & paid funds$34,591The complete starting cash picture.
Estimated remaining funds due at closing
$34,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,633.62
Your down payment$19,633.62
Closing costs + prepaids$14,957.74
Total buyer cash needed$34,591.36
Remaining funds due$34,591.36
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,426.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$631.25
Initial HOA (3 months)$135.00
Prepaid interest, first (15 days)$1,246.66
Fees + prepaids$14,957.74
Your down payment is the seller’s equity. You take over the $485,366 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $34,591.36 is due at closing. Uses and sources reconcile at $519,957.74 each. Not a Closing Disclosure.