Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$14,398Cash toward the purchase price.
Closing costs + prepaids$14,896Not just lender fees.
Before credits & paid funds$29,295The complete starting cash picture.
Estimated remaining funds due at closing
$29,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,398.46
Your down payment$14,398.46
Closing costs + prepaids$14,896.27
Total buyer cash needed$29,294.74
Remaining funds due$29,294.74
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,523.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$622.75
Initial HOA (3 months)$234.00
Prepaid interest, first (9 days)$858.51
Fees + prepaids$14,896.27
Your down payment is the seller’s equity. You take over the $504,602 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $29,294.74 is due at closing. Uses and sources reconcile at $533,896.27 each. Not a Closing Disclosure.