Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,642Cash toward the purchase price.
Closing costs + prepaids$17,238Not just lender fees.
Before credits & paid funds$64,880The complete starting cash picture.
Estimated remaining funds due at closing
$64,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,642.33
Your down payment$47,642.33
Closing costs + prepaids$17,237.86
Total buyer cash needed$64,880.19
Remaining funds due$64,880.19
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%)$2,386.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,292.25
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$2,675.82
Fees + prepaids$17,237.86
Your down payment is the seller’s equity. You take over the $477,358 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $64,880.19 is due at closing. Uses and sources reconcile at $542,237.86 each. Not a Closing Disclosure.