Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$41,425Cash toward the purchase price.
Closing costs + prepaids$15,627Not just lender fees.
Before credits & paid funds$57,051The complete starting cash picture.
Estimated remaining funds due at closing
$57,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,424.79
Your down payment$41,424.79
Closing costs + prepaids$15,626.68
Total buyer cash needed$57,051.47
Remaining funds due$57,051.47
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,417.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$683.75
Initial HOA (3 months)$27.51
Prepaid interest, first (27 days)$1,781.04
Fees + prepaids$15,626.68
Your down payment is the seller’s equity. You take over the $483,475 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $57,051.47 is due at closing. Uses and sources reconcile at $540,526.68 each. Not a Closing Disclosure.