Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$41,777Cash toward the purchase price.
Closing costs + prepaids$15,515Not just lender fees.
Before credits & paid funds$57,291The complete starting cash picture.
Estimated remaining funds due at closing
$57,291No 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$15,514.89
Total buyer cash needed$57,291.44
Remaining funds due$57,291.44
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 (20 days)$1,514.28
Fees + prepaids$15,514.89
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. $57,291.44 is due at closing. Uses and sources reconcile at $535,414.89 each. Not a Closing Disclosure.