Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,601Cash toward the purchase price.
Closing costs + prepaids$16,769Not just lender fees.
Before credits & paid funds$41,370The complete starting cash picture.
Estimated remaining funds due at closing
$41,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,600.76
Your down payment$24,600.76
Closing costs + prepaids$16,768.81
Total buyer cash needed$41,369.56
Remaining funds due$41,369.56
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%)$5,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,499.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$503.00
Initial HOA (3 months)$387.00
Prepaid interest, first (31 days)$2,666.31
Fees + prepaids$16,768.81
Your down payment is the seller’s equity. You take over the $499,899 balance, so the rest of the $524,500 price is paid at closing. A second mortgage can cover part of it. $41,369.56 is due at closing. Uses and sources reconcile at $541,268.81 each. Not a Closing Disclosure.