Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$47,943Cash toward the purchase price.
Closing costs + prepaids$15,925Not just lender fees.
Before credits & paid funds$63,868The complete starting cash picture.
Estimated remaining funds due at closing
$63,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,942.95
Your down payment$47,942.95
Closing costs + prepaids$15,925.01
Total buyer cash needed$63,867.96
Remaining funds due$63,867.96
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%)$2,385.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$974.25
Initial HOA (3 months)$630.00
Prepaid interest, first (27 days)$1,217.48
Fees + prepaids$15,925.01
Your down payment is the seller’s equity. You take over the $477,057 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $63,867.96 is due at closing. Uses and sources reconcile at $540,925.01 each. Not a Closing Disclosure.