Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,367Cash toward the purchase price.
Closing costs + prepaids$16,343Not just lender fees.
Before credits & paid funds$41,711The complete starting cash picture.
Estimated remaining funds due at closing
$41,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,367.44
Your down payment$25,367.44
Closing costs + prepaids$16,343.49
Total buyer cash needed$41,710.93
Remaining funds due$41,710.93
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,572.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$708.25
Prepaid interest, first (25 days)$2,195.57
Fees + prepaids$16,343.49
Your down payment is the seller’s equity. You take over the $514,533 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $41,710.93 is due at closing. Uses and sources reconcile at $556,243.49 each. Not a Closing Disclosure.