Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$100,805Cash toward the purchase price.
Closing costs + prepaids$16,662Not just lender fees.
Before credits & paid funds$117,467The complete starting cash picture.
Estimated remaining funds due at closing
$117,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,805.41
Your down payment$100,805.41
Closing costs + prepaids$16,661.54
Total buyer cash needed$117,466.95
Remaining funds due$117,466.95
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%)$2,120.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,180.25
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$1,342.31
Fees + prepaids$16,661.54
Your down payment is the seller’s equity. You take over the $424,195 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $117,466.95 is due at closing. Uses and sources reconcile at $541,661.54 each. Not a Closing Disclosure.