Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,882Cash toward the purchase price.
Closing costs + prepaids$16,658Not just lender fees.
Before credits & paid funds$86,540The complete starting cash picture.
Estimated remaining funds due at closing
$86,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,882.20
Your down payment$69,882.20
Closing costs + prepaids$16,658.07
Total buyer cash needed$86,540.27
Remaining funds due$86,540.27
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%)$2,275.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,646.75
Prepaid interest, first (31 days)$2,017.73
Fees + prepaids$16,658.07
Your down payment is the seller’s equity. You take over the $455,118 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $86,540.27 is due at closing. Uses and sources reconcile at $541,658.07 each. Not a Closing Disclosure.