Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$14,663Cash toward the purchase price.
Closing costs + prepaids$18,275Not just lender fees.
Before credits & paid funds$32,938The complete starting cash picture.
Estimated remaining funds due at closing
$32,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,663.12
Your down payment$14,663.12
Closing costs + prepaids$18,274.80
Total buyer cash needed$32,937.92
Remaining funds due$32,937.92
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%)$2,551.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,353.50
Initial HOA (3 months)$1,379.01
Prepaid interest, first (27 days)$2,272.61
Fees + prepaids$18,274.80
Your down payment is the seller’s equity. You take over the $510,337 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $32,937.92 is due at closing. Uses and sources reconcile at $543,274.80 each. Not a Closing Disclosure.