Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$32,347Cash toward the purchase price.
Closing costs + prepaids$15,573Not just lender fees.
Before credits & paid funds$47,920The complete starting cash picture.
Estimated remaining funds due at closing
$47,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,347.26
Your down payment$32,347.26
Closing costs + prepaids$15,572.95
Total buyer cash needed$47,920.21
Remaining funds due$47,920.21
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,488.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$391.75
Initial HOA (3 months)$267.00
Prepaid interest, first (20 days)$1,657.93
Fees + prepaids$15,572.95
Your down payment is the seller’s equity. You take over the $497,653 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $47,920.21 is due at closing. Uses and sources reconcile at $545,572.95 each. Not a Closing Disclosure.