Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$65,580Cash toward the purchase price.
Closing costs + prepaids$15,392Not just lender fees.
Before credits & paid funds$80,972The complete starting cash picture.
Estimated remaining funds due at closing
$80,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,580.10
Your down payment$65,580.10
Closing costs + prepaids$15,392.22
Total buyer cash needed$80,972.32
Remaining funds due$80,972.32
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%)$2,297.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.75
Prepaid interest, first (23 days)$1,919.37
Fees + prepaids$15,392.22
Your down payment is the seller’s equity. You take over the $459,420 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $80,972.32 is due at closing. Uses and sources reconcile at $540,392.22 each. Not a Closing Disclosure.