Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$58,686Cash toward the purchase price.
Closing costs + prepaids$16,518Not just lender fees.
Before credits & paid funds$75,204The complete starting cash picture.
Estimated remaining funds due at closing
$75,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,686.01
Your down payment$58,686.01
Closing costs + prepaids$16,517.96
Total buyer cash needed$75,203.96
Remaining funds due$75,203.96
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%)$2,331.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,286.25
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,987.14
Fees + prepaids$16,517.96
Your down payment is the seller’s equity. You take over the $466,314 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $75,203.96 is due at closing. Uses and sources reconcile at $541,517.96 each. Not a Closing Disclosure.