Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$9,715Cash toward the purchase price.
Closing costs + prepaids$17,530Not just lender fees.
Before credits & paid funds$27,245The complete starting cash picture.
Estimated remaining funds due at closing
$27,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,715.07
Your down payment$9,715.07
Closing costs + prepaids$17,529.68
Total buyer cash needed$27,244.75
Remaining funds due$27,244.75
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,575.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.25
Initial HOA (3 months)$585.00
Prepaid interest, first (25 days)$2,339.50
Fees + prepaids$17,529.68
Your down payment is the seller’s equity. You take over the $515,185 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $27,244.75 is due at closing. Uses and sources reconcile at $542,429.68 each. Not a Closing Disclosure.