Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$4,331Cash toward the purchase price.
Closing costs + prepaids$16,782Not just lender fees.
Before credits & paid funds$21,114The complete starting cash picture.
Estimated remaining funds due at closing
$21,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,331.33
Your down payment$4,331.33
Closing costs + prepaids$16,782.29
Total buyer cash needed$21,113.62
Remaining funds due$21,113.62
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%)$2,603.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$745.75
Initial HOA (3 months)$600.00
Prepaid interest, first (22 days)$2,115.20
Fees + prepaids$16,782.29
Your down payment is the seller’s equity. You take over the $520,669 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $21,113.62 is due at closing. Uses and sources reconcile at $541,782.29 each. Not a Closing Disclosure.