Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,419Cash toward the purchase price.
Closing costs + prepaids$17,326Not just lender fees.
Before credits & paid funds$33,745The complete starting cash picture.
Estimated remaining funds due at closing
$33,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,418.61
Your down payment$16,418.61
Closing costs + prepaids$17,326.50
Total buyer cash needed$33,745.11
Remaining funds due$33,745.11
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%)$5,219.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,527.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.00
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$3,194.09
Fees + prepaids$17,326.50
Your down payment is the seller’s equity. You take over the $505,481 balance, so the rest of the $521,900 price is paid at closing. A second mortgage can cover part of it. $33,745.11 is due at closing. Uses and sources reconcile at $539,226.50 each. Not a Closing Disclosure.