Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$41,785Cash toward the purchase price.
Closing costs + prepaids$14,877Not just lender fees.
Before credits & paid funds$56,662The complete starting cash picture.
Estimated remaining funds due at closing
$56,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,784.58
Your down payment$41,784.58
Closing costs + prepaids$14,877.00
Total buyer cash needed$56,661.58
Remaining funds due$56,661.58
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,491.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$80.01
Prepaid interest, first (9 days)$789.91
Fees + prepaids$14,877.00
Your down payment is the seller’s equity. You take over the $498,215 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $56,661.58 is due at closing. Uses and sources reconcile at $554,877.00 each. Not a Closing Disclosure.