Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,370Cash toward the purchase price.
Closing costs + prepaids$15,512Not just lender fees.
Before credits & paid funds$134,883The complete starting cash picture.
Estimated remaining funds due at closing
$134,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,370.43
Your down payment$119,370.43
Closing costs + prepaids$15,512.48
Total buyer cash needed$134,882.90
Remaining funds due$134,882.90
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%)$2,028.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,170.50
Initial HOA (3 months)$39.99
Prepaid interest, first (28 days)$1,555.84
Fees + prepaids$15,512.48
Your down payment is the seller’s equity. You take over the $405,630 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $134,882.90 is due at closing. Uses and sources reconcile at $540,512.48 each. Not a Closing Disclosure.