Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$10,149Cash toward the purchase price.
Closing costs + prepaids$16,253Not just lender fees.
Before credits & paid funds$26,402The complete starting cash picture.
Estimated remaining funds due at closing
$26,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,149.33
Your down payment$10,149.33
Closing costs + prepaids$16,252.67
Total buyer cash needed$26,402.00
Remaining funds due$26,402.00
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%)$5,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,514.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$396.00
Prepaid interest, first (20 days)$1,887.41
Fees + prepaids$16,252.67
Your down payment is the seller’s equity. You take over the $502,851 balance, so the rest of the $513,000 price is paid at closing. A second mortgage can cover part of it. $26,402.00 is due at closing. Uses and sources reconcile at $529,252.67 each. Not a Closing Disclosure.