Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,026Cash toward the purchase price.
Closing costs + prepaids$16,142Not just lender fees.
Before credits & paid funds$34,168The complete starting cash picture.
Estimated remaining funds due at closing
$34,168No 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$16,141.83
Total buyer cash needed$34,168.12
Remaining funds due$34,168.12
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 (31 days)$2,715.96
Fees + prepaids$16,141.83
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. $34,168.12 is due at closing. Uses and sources reconcile at $526,141.83 each. Not a Closing Disclosure.