Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,572Cash toward the purchase price.
Closing costs + prepaids$17,029Not just lender fees.
Before credits & paid funds$42,601The complete starting cash picture.
Estimated remaining funds due at closing
$42,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,571.65
Your down payment$25,571.65
Closing costs + prepaids$17,029.36
Total buyer cash needed$42,601.01
Remaining funds due$42,601.01
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,597.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Prepaid interest, first (24 days)$2,151.71
Fees + prepaids$17,029.36
Your down payment is the seller’s equity. You take over the $519,428 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $42,601.01 is due at closing. Uses and sources reconcile at $562,029.36 each. Not a Closing Disclosure.