Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,699Cash toward the purchase price.
Closing costs + prepaids$16,775Not just lender fees.
Before credits & paid funds$59,473The complete starting cash picture.
Estimated remaining funds due at closing
$59,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,698.79
Your down payment$42,698.79
Closing costs + prepaids$16,774.61
Total buyer cash needed$59,473.40
Remaining funds due$59,473.40
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,431.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,138.00
Initial HOA (3 months)$58.50
Prepaid interest, first (27 days)$2,388.60
Fees + prepaids$16,774.61
Your down payment is the seller’s equity. You take over the $486,301 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $59,473.40 is due at closing. Uses and sources reconcile at $545,774.61 each. Not a Closing Disclosure.