Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,177Cash toward the purchase price.
Closing costs + prepaids$17,289Not just lender fees.
Before credits & paid funds$57,466The complete starting cash picture.
Estimated remaining funds due at closing
$57,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,177.16
Your down payment$40,177.16
Closing costs + prepaids$17,288.64
Total buyer cash needed$57,465.80
Remaining funds due$57,465.80
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,424.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Prepaid interest, first (28 days)$2,834.02
Fees + prepaids$17,288.64
Your down payment is the seller’s equity. You take over the $484,823 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $57,465.80 is due at closing. Uses and sources reconcile at $542,288.64 each. Not a Closing Disclosure.