Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,907Cash toward the purchase price.
Closing costs + prepaids$15,946Not just lender fees.
Before credits & paid funds$83,853The complete starting cash picture.
Estimated remaining funds due at closing
$83,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,906.81
Your down payment$67,906.81
Closing costs + prepaids$15,945.97
Total buyer cash needed$83,852.78
Remaining funds due$83,852.78
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%)$2,285.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$2,100.75
Fees + prepaids$15,945.97
Your down payment is the seller’s equity. You take over the $457,093 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $83,852.78 is due at closing. Uses and sources reconcile at $540,945.97 each. Not a Closing Disclosure.