Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$65,236Cash toward the purchase price.
Closing costs + prepaids$16,280Not just lender fees.
Before credits & paid funds$81,515The complete starting cash picture.
Estimated remaining funds due at closing
$81,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,235.61
Your down payment$65,235.61
Closing costs + prepaids$16,279.51
Total buyer cash needed$81,515.13
Remaining funds due$81,515.13
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%)$5,249.75
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,298.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.75
Prepaid interest, first (25 days)$2,100.32
Fees + prepaids$16,279.51
Your down payment is the seller’s equity. You take over the $459,739 balance, so the rest of the $524,975 price is paid at closing. A second mortgage can cover part of it. $81,515.13 is due at closing. Uses and sources reconcile at $541,254.51 each. Not a Closing Disclosure.