Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$1,403Cash toward the purchase price.
Closing costs + prepaids$14,790Not just lender fees.
Before credits & paid funds$16,192The complete starting cash picture.
Estimated remaining funds due at closing
$16,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,402.86
Your down payment$1,402.86
Closing costs + prepaids$14,789.55
Total buyer cash needed$16,192.41
Remaining funds due$16,192.41
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%)$5,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,657.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$639.50
Initial HOA (3 months)$168.00
Prepaid interest, first (6 days)$526.06
Fees + prepaids$14,789.55
Your down payment is the seller’s equity. You take over the $531,597 balance, so the rest of the $533,000 price is paid at closing. A second mortgage can cover part of it. $16,192.41 is due at closing. Uses and sources reconcile at $547,789.55 each. Not a Closing Disclosure.