Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,376Cash toward the purchase price.
Closing costs + prepaids$17,436Not just lender fees.
Before credits & paid funds$44,811The complete starting cash picture.
Estimated remaining funds due at closing
$44,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,375.72
Your down payment$27,375.72
Closing costs + prepaids$17,435.65
Total buyer cash needed$44,811.37
Remaining funds due$44,811.37
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%)$5,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,684.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$2,260.52
Fees + prepaids$17,435.65
Your down payment is the seller’s equity. You take over the $496,624 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $44,811.37 is due at closing. Uses and sources reconcile at $541,435.65 each. Not a Closing Disclosure.