Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$48,037Cash toward the purchase price.
Closing costs + prepaids$14,573Not just lender fees.
Before credits & paid funds$62,610The complete starting cash picture.
Estimated remaining funds due at closing
$62,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,036.72
Your down payment$48,036.72
Closing costs + prepaids$14,573.41
Total buyer cash needed$62,610.13
Remaining funds due$62,610.13
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%)$2,384.82
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)$58.50
Prepaid interest, first (9 days)$782.09
Fees + prepaids$14,573.41
Your down payment is the seller’s equity. You take over the $476,963 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $62,610.13 is due at closing. Uses and sources reconcile at $539,573.41 each. Not a Closing Disclosure.