Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$58,422Cash toward the purchase price.
Closing costs + prepaids$9,250Not just lender fees.
Before credits & paid funds$67,673The complete starting cash picture.
Estimated remaining funds due at closing
$67,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,422.49
Your down payment$58,422.49
Closing costs + prepaids$9,250.30
Total buyer cash needed$67,672.80
Remaining funds due$67,672.80
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%)$832.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (27 days)$386.92
Fees + prepaids$9,250.30
Your down payment is the seller’s equity. You take over the $166,578 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $67,672.80 is due at closing. Uses and sources reconcile at $234,250.30 each. Not a Closing Disclosure.