Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,623Cash toward the purchase price.
Closing costs + prepaids$17,631Not just lender fees.
Before credits & paid funds$58,253The complete starting cash picture.
Estimated remaining funds due at closing
$58,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,622.58
Your down payment$40,622.58
Closing costs + prepaids$17,630.62
Total buyer cash needed$58,253.21
Remaining funds due$58,253.21
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%)$5,040.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,316.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,260.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (28 days)$2,420.73
Fees + prepaids$17,630.62
Your down payment is the seller’s equity. You take over the $463,377 balance, so the rest of the $504,000 price is paid at closing. A second mortgage can cover part of it. $58,253.21 is due at closing. Uses and sources reconcile at $521,630.62 each. Not a Closing Disclosure.