Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$25,514Cash toward the purchase price.
Closing costs + prepaids$14,873Not just lender fees.
Before credits & paid funds$40,387The complete starting cash picture.
Estimated remaining funds due at closing
$40,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,514.03
Your down payment$25,514.03
Closing costs + prepaids$14,872.94
Total buyer cash needed$40,386.97
Remaining funds due$40,386.97
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,622.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$213.00
Prepaid interest, first (6 days)$409.53
Fees + prepaids$14,872.94
Your down payment is the seller’s equity. You take over the $524,485 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $40,386.97 is due at closing. Uses and sources reconcile at $564,871.94 each. Not a Closing Disclosure.