Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,063Cash toward the purchase price.
Closing costs + prepaids$17,859Not just lender fees.
Before credits & paid funds$41,922The complete starting cash picture.
Estimated remaining funds due at closing
$41,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,063.27
Your down payment$24,063.27
Closing costs + prepaids$17,859.00
Total buyer cash needed$41,922.27
Remaining funds due$41,922.27
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,579.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,797.00
Prepaid interest, first (27 days)$2,614.32
Fees + prepaids$17,859.00
Your down payment is the seller’s equity. You take over the $515,937 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $41,922.27 is due at closing. Uses and sources reconcile at $557,859.00 each. Not a Closing Disclosure.