Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,077Cash toward the purchase price.
Closing costs + prepaids$16,039Not just lender fees.
Before credits & paid funds$67,116The complete starting cash picture.
Estimated remaining funds due at closing
$67,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,076.80
Your down payment$51,076.80
Closing costs + prepaids$16,039.30
Total buyer cash needed$67,116.10
Remaining funds due$67,116.10
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,319.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.00
Initial HOA (3 months)$154.50
Prepaid interest, first (31 days)$2,490.19
Fees + prepaids$16,039.30
Your down payment is the seller’s equity. You take over the $463,923 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $67,116.10 is due at closing. Uses and sources reconcile at $531,039.30 each. Not a Closing Disclosure.