Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$62,437Cash toward the purchase price.
Closing costs + prepaids$15,970Not just lender fees.
Before credits & paid funds$78,407The complete starting cash picture.
Estimated remaining funds due at closing
$78,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,437.00
Your down payment$62,437.00
Closing costs + prepaids$15,969.77
Total buyer cash needed$78,406.77
Remaining funds due$78,406.77
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%)$2,312.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$447.75
Initial HOA (3 months)$77.01
Prepaid interest, first (30 days)$2,414.20
Fees + prepaids$15,969.77
Your down payment is the seller’s equity. You take over the $462,563 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $78,406.77 is due at closing. Uses and sources reconcile at $540,969.77 each. Not a Closing Disclosure.