Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$14,125Cash toward the purchase price.
Closing costs + prepaids$16,541Not just lender fees.
Before credits & paid funds$30,666The complete starting cash picture.
Estimated remaining funds due at closing
$30,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,124.96
Your down payment$14,124.96
Closing costs + prepaids$16,540.86
Total buyer cash needed$30,665.82
Remaining funds due$30,665.82
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%)$2,554.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$975.00
Initial HOA (3 months)$201.00
Prepaid interest, first (23 days)$2,092.49
Fees + prepaids$16,540.86
Your down payment is the seller’s equity. You take over the $510,875 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $30,665.82 is due at closing. Uses and sources reconcile at $541,540.86 each. Not a Closing Disclosure.