Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,514Cash toward the purchase price.
Closing costs + prepaids$16,807Not just lender fees.
Before credits & paid funds$42,321The complete starting cash picture.
Estimated remaining funds due at closing
$42,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,514.03
Your down payment$25,514.03
Closing costs + prepaids$16,806.55
Total buyer cash needed$42,320.58
Remaining funds due$42,320.58
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,622.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,092.00
Initial HOA (3 months)$213.00
Prepaid interest, first (28 days)$1,911.14
Fees + prepaids$16,806.55
Your down payment is the seller’s equity. You take over the $524,485 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $42,320.58 is due at closing. Uses and sources reconcile at $566,805.55 each. Not a Closing Disclosure.