Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,879Cash toward the purchase price.
Closing costs + prepaids$15,209Not just lender fees.
Before credits & paid funds$54,088The complete starting cash picture.
Estimated remaining funds due at closing
$54,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,878.99
Your down payment$38,878.99
Closing costs + prepaids$15,209.03
Total buyer cash needed$54,088.01
Remaining funds due$54,088.01
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,355.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.00
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$1,300.42
Fees + prepaids$15,209.03
Your down payment is the seller’s equity. You take over the $471,121 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $54,088.01 is due at closing. Uses and sources reconcile at $525,209.03 each. Not a Closing Disclosure.