Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$42,699Cash toward the purchase price.
Closing costs + prepaids$16,155Not just lender fees.
Before credits & paid funds$58,854The complete starting cash picture.
Estimated remaining funds due at closing
$58,854No 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$16,155.34
Total buyer cash needed$58,854.13
Remaining funds due$58,854.13
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%)$5,290.00
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 (20 days)$1,769.34
Fees + prepaids$16,155.34
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. $58,854.13 is due at closing. Uses and sources reconcile at $545,155.34 each. Not a Closing Disclosure.