Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,228Cash toward the purchase price.
Closing costs + prepaids$17,158Not just lender fees.
Before credits & paid funds$41,386The complete starting cash picture.
Estimated remaining funds due at closing
$41,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,228.14
Your down payment$24,228.14
Closing costs + prepaids$17,158.05
Total buyer cash needed$41,386.20
Remaining funds due$41,386.20
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%)$5,398.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,577.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,349.50
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$2,139.69
Fees + prepaids$17,158.05
Your down payment is the seller’s equity. You take over the $515,572 balance, so the rest of the $539,800 price is paid at closing. A second mortgage can cover part of it. $41,386.20 is due at closing. Uses and sources reconcile at $556,958.05 each. Not a Closing Disclosure.