Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,433Cash toward the purchase price.
Closing costs + prepaids$16,481Not just lender fees.
Before credits & paid funds$54,914The complete starting cash picture.
Estimated remaining funds due at closing
$54,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,432.91
Your down payment$38,432.91
Closing costs + prepaids$16,480.85
Total buyer cash needed$54,913.77
Remaining funds due$54,913.77
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%)$2,432.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$1,941.00
Prepaid interest, first (2 days)$76.52
Fees + prepaids$16,480.85
Your down payment is the seller’s equity. You take over the $486,567 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $54,913.77 is due at closing. Uses and sources reconcile at $541,480.85 each. Not a Closing Disclosure.