Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,065Cash toward the purchase price.
Closing costs + prepaids$16,174Not just lender fees.
Before credits & paid funds$53,239The complete starting cash picture.
Estimated remaining funds due at closing
$53,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,064.50
Your down payment$37,064.50
Closing costs + prepaids$16,174.45
Total buyer cash needed$53,238.96
Remaining funds due$53,238.96
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,439.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$504.25
Prepaid interest, first (30 days)$2,514.02
Fees + prepaids$16,174.45
Your down payment is the seller’s equity. You take over the $487,835 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $53,238.96 is due at closing. Uses and sources reconcile at $541,074.45 each. Not a Closing Disclosure.