Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,777Cash toward the purchase price.
Closing costs + prepaids$16,348Not just lender fees.
Before credits & paid funds$58,124The complete starting cash picture.
Estimated remaining funds due at closing
$58,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,776.54
Your down payment$41,776.54
Closing costs + prepaids$16,347.74
Total buyer cash needed$58,124.29
Remaining funds due$58,124.29
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,390.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$580.00
Initial HOA (3 months)$363.00
Prepaid interest, first (31 days)$2,347.13
Fees + prepaids$16,347.74
Your down payment is the seller’s equity. You take over the $478,123 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $58,124.29 is due at closing. Uses and sources reconcile at $536,247.74 each. Not a Closing Disclosure.