Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,729Cash toward the purchase price.
Closing costs + prepaids$16,139Not just lender fees.
Before credits & paid funds$40,867The complete starting cash picture.
Estimated remaining funds due at closing
$40,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,728.56
Your down payment$24,728.56
Closing costs + prepaids$16,138.80
Total buyer cash needed$40,867.35
Remaining funds due$40,867.35
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,551.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$250.75
Initial HOA (3 months)$152.01
Prepaid interest, first (27 days)$2,366.68
Fees + prepaids$16,138.80
Your down payment is the seller’s equity. You take over the $510,271 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $40,867.35 is due at closing. Uses and sources reconcile at $551,138.80 each. Not a Closing Disclosure.