Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,680Cash toward the purchase price.
Closing costs + prepaids$17,074Not just lender fees.
Before credits & paid funds$67,754The complete starting cash picture.
Estimated remaining funds due at closing
$67,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,680.08
Your down payment$50,680.08
Closing costs + prepaids$17,074.05
Total buyer cash needed$67,754.12
Remaining funds due$67,754.12
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%)$2,371.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$1,584.00
Prepaid interest, first (26 days)$1,087.95
Fees + prepaids$17,074.05
Your down payment is the seller’s equity. You take over the $474,320 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $67,754.12 is due at closing. Uses and sources reconcile at $542,074.05 each. Not a Closing Disclosure.