Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,093Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$63,707The complete starting cash picture.
Estimated remaining funds due at closing
$63,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,093.36
Your down payment$53,093.36
Closing costs + prepaids$10,613.44
Total buyer cash needed$63,706.80
Remaining funds due$63,706.80
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$859.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,658.00
Prepaid interest, first (22 days)$627.91
Fees + prepaids$10,613.44
Your down payment is the seller’s equity. You take over the $171,907 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $63,706.80 is due at closing. Uses and sources reconcile at $235,613.44 each. Not a Closing Disclosure.