Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,677Cash toward the purchase price.
Closing costs + prepaids$17,067Not just lender fees.
Before credits & paid funds$62,744The complete starting cash picture.
Estimated remaining funds due at closing
$62,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,677.07
Your down payment$45,677.07
Closing costs + prepaids$17,067.20
Total buyer cash needed$62,744.26
Remaining funds due$62,744.26
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%)$2,396.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Prepaid interest, first (28 days)$2,640.08
Fees + prepaids$17,067.20
Your down payment is the seller’s equity. You take over the $479,323 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $62,744.26 is due at closing. Uses and sources reconcile at $542,067.20 each. Not a Closing Disclosure.