Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$18,026Cash toward the purchase price.
Closing costs + prepaids$15,003Not just lender fees.
Before credits & paid funds$33,029The complete starting cash picture.
Estimated remaining funds due at closing
$33,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,026.29
Your down payment$18,026.29
Closing costs + prepaids$15,002.88
Total buyer cash needed$33,029.17
Remaining funds due$33,029.17
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%)$2,459.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$398.00
Prepaid interest, first (18 days)$1,577.01
Fees + prepaids$15,002.88
Your down payment is the seller’s equity. You take over the $491,974 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $33,029.17 is due at closing. Uses and sources reconcile at $525,002.88 each. Not a Closing Disclosure.