Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$52,386Cash toward the purchase price.
Closing costs + prepaids$14,854Not just lender fees.
Before credits & paid funds$67,240The complete starting cash picture.
Estimated remaining funds due at closing
$67,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,385.88
Your down payment$52,385.88
Closing costs + prepaids$14,853.69
Total buyer cash needed$67,239.57
Remaining funds due$67,239.57
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,338.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$623.25
Initial HOA (3 months)$129.00
Prepaid interest, first (18 days)$1,095.37
Fees + prepaids$14,853.69
Your down payment is the seller’s equity. You take over the $467,614 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $67,239.57 is due at closing. Uses and sources reconcile at $534,853.69 each. Not a Closing Disclosure.