Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$33,409Cash toward the purchase price.
Closing costs + prepaids$14,771Not just lender fees.
Before credits & paid funds$48,180The complete starting cash picture.
Estimated remaining funds due at closing
$48,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,408.87
Your down payment$33,408.87
Closing costs + prepaids$14,771.22
Total buyer cash needed$48,180.10
Remaining funds due$48,180.10
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,377.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$610.75
Initial HOA (3 months)$345.00
Prepaid interest, first (12 days)$879.52
Fees + prepaids$14,771.22
Your down payment is the seller’s equity. You take over the $475,591 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $48,180.10 is due at closing. Uses and sources reconcile at $523,771.22 each. Not a Closing Disclosure.