Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$26,980Cash toward the purchase price.
Closing costs + prepaids$15,398Not just lender fees.
Before credits & paid funds$42,379The complete starting cash picture.
Estimated remaining funds due at closing
$42,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,980.36
Your down payment$26,980.36
Closing costs + prepaids$15,398.19
Total buyer cash needed$42,378.54
Remaining funds due$42,378.54
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,540.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$34.75
Initial HOA (3 months)$297.00
Prepaid interest, first (19 days)$1,708.34
Fees + prepaids$15,398.19
Your down payment is the seller’s equity. You take over the $508,020 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $42,378.54 is due at closing. Uses and sources reconcile at $550,398.19 each. Not a Closing Disclosure.