Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,815Cash toward the purchase price.
Closing costs + prepaids$16,476Not just lender fees.
Before credits & paid funds$52,290The complete starting cash picture.
Estimated remaining funds due at closing
$52,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,814.52
Your down payment$35,814.52
Closing costs + prepaids$16,475.55
Total buyer cash needed$52,290.07
Remaining funds due$52,290.07
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%)$2,445.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$883.00
Initial HOA (3 months)$106.26
Prepaid interest, first (24 days)$2,322.36
Fees + prepaids$16,475.55
Your down payment is the seller’s equity. You take over the $489,185 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $52,290.07 is due at closing. Uses and sources reconcile at $541,475.55 each. Not a Closing Disclosure.