Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,288Cash toward the purchase price.
Closing costs + prepaids$16,526Not just lender fees.
Before credits & paid funds$64,814The complete starting cash picture.
Estimated remaining funds due at closing
$64,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,287.53
Your down payment$48,287.53
Closing costs + prepaids$16,526.14
Total buyer cash needed$64,813.67
Remaining funds due$64,813.67
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%)$2,383.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$537.25
Initial HOA (3 months)$288.00
Prepaid interest, first (31 days)$2,599.32
Fees + prepaids$16,526.14
Your down payment is the seller’s equity. You take over the $476,712 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $64,813.67 is due at closing. Uses and sources reconcile at $541,526.14 each. Not a Closing Disclosure.