Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,041Cash toward the purchase price.
Closing costs + prepaids$17,332Not just lender fees.
Before credits & paid funds$46,372The complete starting cash picture.
Estimated remaining funds due at closing
$46,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,040.70
Your down payment$29,040.70
Closing costs + prepaids$17,331.78
Total buyer cash needed$46,372.48
Remaining funds due$46,372.48
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%)$5,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,474.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,969.25
Initial HOA (3 months)$81.24
Prepaid interest, first (25 days)$2,098.49
Fees + prepaids$17,331.78
Your down payment is the seller’s equity. You take over the $494,959 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $46,372.48 is due at closing. Uses and sources reconcile at $541,331.78 each. Not a Closing Disclosure.