Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$102,183Cash toward the purchase price.
Closing costs + prepaids$15,288Not just lender fees.
Before credits & paid funds$117,471The complete starting cash picture.
Estimated remaining funds due at closing
$117,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,183.00
Your down payment$102,183.00
Closing costs + prepaids$15,287.59
Total buyer cash needed$117,470.59
Remaining funds due$117,470.59
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%)$2,114.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,731.50
Prepaid interest, first (25 days)$724.00
Fees + prepaids$15,287.59
Your down payment is the seller’s equity. You take over the $422,817 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $117,470.59 is due at closing. Uses and sources reconcile at $540,287.59 each. Not a Closing Disclosure.