Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$69,300Cash toward the purchase price.
Closing costs + prepaids$15,890Not just lender fees.
Before credits & paid funds$85,190The complete starting cash picture.
Estimated remaining funds due at closing
$85,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,300.00
Your down payment$69,300.00
Closing costs + prepaids$15,889.98
Total buyer cash needed$85,189.98
Remaining funds due$85,189.98
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%)$2,278.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$387.75
Prepaid interest, first (30 days)$2,505.73
Fees + prepaids$15,889.98
Your down payment is the seller’s equity. You take over the $455,700 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $85,189.98 is due at closing. Uses and sources reconcile at $540,889.98 each. Not a Closing Disclosure.