Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$23,374Cash toward the purchase price.
Closing costs + prepaids$14,823Not just lender fees.
Before credits & paid funds$38,198The complete starting cash picture.
Estimated remaining funds due at closing
$38,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,374.19
Your down payment$23,374.19
Closing costs + prepaids$14,823.35
Total buyer cash needed$38,197.54
Remaining funds due$38,197.54
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.00
Prepaid interest, first (12 days)$1,048.22
Fees + prepaids$14,823.35
Your down payment is the seller’s equity. You take over the $496,626 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $38,197.54 is due at closing. Uses and sources reconcile at $534,823.35 each. Not a Closing Disclosure.