Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,679Cash toward the purchase price.
Closing costs + prepaids$14,796Not just lender fees.
Before credits & paid funds$52,475The complete starting cash picture.
Estimated remaining funds due at closing
$52,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,678.78
Your down payment$37,678.78
Closing costs + prepaids$14,795.92
Total buyer cash needed$52,474.70
Remaining funds due$52,474.70
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%)$2,436.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Initial HOA (3 months)$174.99
Prepaid interest, first (12 days)$836.32
Fees + prepaids$14,795.92
Your down payment is the seller’s equity. You take over the $487,321 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $52,474.70 is due at closing. Uses and sources reconcile at $539,795.92 each. Not a Closing Disclosure.