Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$39,525Cash toward the purchase price.
Closing costs + prepaids$14,072Not just lender fees.
Before credits & paid funds$53,596The complete starting cash picture.
Estimated remaining funds due at closing
$53,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,524.57
Your down payment$39,524.57
Closing costs + prepaids$14,071.76
Total buyer cash needed$53,596.33
Remaining funds due$53,596.33
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,302.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$99.99
Prepaid interest, first (7 days)$601.39
Fees + prepaids$14,071.76
Your down payment is the seller’s equity. You take over the $460,475 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $53,596.33 is due at closing. Uses and sources reconcile at $514,071.76 each. Not a Closing Disclosure.