Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$62,032Cash toward the purchase price.
Closing costs + prepaids$13,996Not just lender fees.
Before credits & paid funds$76,028The complete starting cash picture.
Estimated remaining funds due at closing
$76,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,032.40
Your down payment$62,032.40
Closing costs + prepaids$13,996.00
Total buyer cash needed$76,028.40
Remaining funds due$76,028.40
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,264.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Prepaid interest, first (6 days)$495.16
Fees + prepaids$13,996.00
Your down payment is the seller’s equity. You take over the $452,968 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $76,028.40 is due at closing. Uses and sources reconcile at $528,996.00 each. Not a Closing Disclosure.