Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$68,013Cash toward the purchase price.
Closing costs + prepaids$15,811Not just lender fees.
Before credits & paid funds$83,824The complete starting cash picture.
Estimated remaining funds due at closing
$83,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,012.93
Your down payment$68,012.93
Closing costs + prepaids$15,811.39
Total buyer cash needed$83,824.32
Remaining funds due$83,824.32
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%)$2,284.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$70.26
Prepaid interest, first (23 days)$1,825.69
Fees + prepaids$15,811.39
Your down payment is the seller’s equity. You take over the $456,987 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $83,824.32 is due at closing. Uses and sources reconcile at $540,811.39 each. Not a Closing Disclosure.