Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,553Cash toward the purchase price.
Closing costs + prepaids$17,431Not just lender fees.
Before credits & paid funds$41,984The complete starting cash picture.
Estimated remaining funds due at closing
$41,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,553.07
Your down payment$24,553.07
Closing costs + prepaids$17,430.61
Total buyer cash needed$41,983.69
Remaining funds due$41,983.69
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%)$5,498.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,626.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Prepaid interest, first (28 days)$2,462.31
Fees + prepaids$17,430.61
Your down payment is the seller’s equity. You take over the $525,335 balance, so the rest of the $549,888 price is paid at closing. A second mortgage can cover part of it. $41,983.69 is due at closing. Uses and sources reconcile at $567,318.61 each. Not a Closing Disclosure.