Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$162,827Cash toward the purchase price.
Closing costs + prepaids$14,803Not just lender fees.
Before credits & paid funds$177,630The complete starting cash picture.
Estimated remaining funds due at closing
$177,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,827.16
Your down payment$162,827.16
Closing costs + prepaids$14,803.32
Total buyer cash needed$177,630.49
Remaining funds due$177,630.49
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%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.50
Prepaid interest, first (24 days)$773.96
Fees + prepaids$14,803.32
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $177,630.49 is due at closing. Uses and sources reconcile at $539,803.32 each. Not a Closing Disclosure.