Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$71,045Cash toward the purchase price.
Closing costs + prepaids$13,956Not just lender fees.
Before credits & paid funds$85,002The complete starting cash picture.
Estimated remaining funds due at closing
$85,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,045.30
Your down payment$71,045.30
Closing costs + prepaids$13,956.25
Total buyer cash needed$85,001.54
Remaining funds due$85,001.54
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%)$2,269.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$814.75
Prepaid interest, first (2 days)$153.72
Fees + prepaids$13,956.25
Your down payment is the seller’s equity. You take over the $453,955 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $85,001.54 is due at closing. Uses and sources reconcile at $538,956.25 each. Not a Closing Disclosure.