Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,601Cash toward the purchase price.
Closing costs + prepaids$16,511Not just lender fees.
Before credits & paid funds$41,112The complete starting cash picture.
Estimated remaining funds due at closing
$41,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,600.76
Your down payment$24,600.76
Closing costs + prepaids$16,510.78
Total buyer cash needed$41,111.53
Remaining funds due$41,111.53
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%)$5,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,499.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$503.00
Initial HOA (3 months)$387.00
Prepaid interest, first (28 days)$2,408.28
Fees + prepaids$16,510.78
Your down payment is the seller’s equity. You take over the $499,899 balance, so the rest of the $524,500 price is paid at closing. A second mortgage can cover part of it. $41,111.53 is due at closing. Uses and sources reconcile at $541,010.78 each. Not a Closing Disclosure.