Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$52,532Cash toward the purchase price.
Closing costs + prepaids$8,837Not just lender fees.
Before credits & paid funds$61,369The complete starting cash picture.
Estimated remaining funds due at closing
$61,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,531.78
Your down payment$52,531.78
Closing costs + prepaids$8,836.92
Total buyer cash needed$61,368.70
Remaining funds due$61,368.70
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%)$862.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.25
Prepaid interest, first (25 days)$282.33
Fees + prepaids$8,836.92
Your down payment is the seller’s equity. You take over the $172,468 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $61,368.70 is due at closing. Uses and sources reconcile at $233,836.92 each. Not a Closing Disclosure.