Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,607Cash toward the purchase price.
Closing costs + prepaids$18,228Not just lender fees.
Before credits & paid funds$62,835The complete starting cash picture.
Estimated remaining funds due at closing
$62,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,606.61
Your down payment$44,606.61
Closing costs + prepaids$18,228.09
Total buyer cash needed$62,834.70
Remaining funds due$62,834.70
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%)$2,401.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$1,500.00
Prepaid interest, first (27 days)$2,295.62
Fees + prepaids$18,228.09
Your down payment is the seller’s equity. You take over the $480,393 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $62,834.70 is due at closing. Uses and sources reconcile at $543,228.09 each. Not a Closing Disclosure.