Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,664Cash toward the purchase price.
Closing costs + prepaids$17,886Not just lender fees.
Before credits & paid funds$42,549The complete starting cash picture.
Estimated remaining funds due at closing
$42,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,663.59
Your down payment$24,663.59
Closing costs + prepaids$17,885.80
Total buyer cash needed$42,549.39
Remaining funds due$42,549.39
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%)$5,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,601.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$2,757.64
Fees + prepaids$17,885.80
Your down payment is the seller’s equity. You take over the $520,335 balance, so the rest of the $544,999 price is paid at closing. A second mortgage can cover part of it. $42,549.39 is due at closing. Uses and sources reconcile at $562,884.80 each. Not a Closing Disclosure.