Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,176Cash toward the purchase price.
Closing costs + prepaids$18,673Not just lender fees.
Before credits & paid funds$50,849The complete starting cash picture.
Estimated remaining funds due at closing
$50,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,175.58
Your down payment$32,175.58
Closing costs + prepaids$18,673.38
Total buyer cash needed$50,848.96
Remaining funds due$50,848.96
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,914.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$585.00
Prepaid interest, first (31 days)$3,143.26
Fees + prepaids$18,673.38
Your down payment is the seller’s equity. You take over the $582,824 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $50,848.96 is due at closing. Uses and sources reconcile at $633,673.38 each. Not a Closing Disclosure.