Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,903Cash toward the purchase price.
Closing costs + prepaids$16,074Not just lender fees.
Before credits & paid funds$68,977The complete starting cash picture.
Estimated remaining funds due at closing
$68,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,903.09
Your down payment$52,903.09
Closing costs + prepaids$16,073.66
Total buyer cash needed$68,976.76
Remaining funds due$68,976.76
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%)$2,360.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$547.00
Prepaid interest, first (28 days)$2,448.18
Fees + prepaids$16,073.66
Your down payment is the seller’s equity. You take over the $472,097 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $68,976.76 is due at closing. Uses and sources reconcile at $541,073.66 each. Not a Closing Disclosure.