Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,926Cash toward the purchase price.
Closing costs + prepaids$19,349Not just lender fees.
Before credits & paid funds$44,274The complete starting cash picture.
Estimated remaining funds due at closing
$44,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,925.91
Your down payment$24,925.91
Closing costs + prepaids$19,348.50
Total buyer cash needed$44,274.41
Remaining funds due$44,274.41
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%)$2,500.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,709.50
Prepaid interest, first (28 days)$2,420.63
Fees + prepaids$19,348.50
Your down payment is the seller’s equity. You take over the $500,074 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $44,274.41 is due at closing. Uses and sources reconcile at $544,348.50 each. Not a Closing Disclosure.