Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,596Cash toward the purchase price.
Closing costs + prepaids$15,062Not just lender fees.
Before credits & paid funds$112,657The complete starting cash picture.
Estimated remaining funds due at closing
$112,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,595.55
Your down payment$97,595.55
Closing costs + prepaids$15,061.70
Total buyer cash needed$112,657.26
Remaining funds due$112,657.26
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%)$2,137.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$561.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$1,345.68
Fees + prepaids$15,061.70
Your down payment is the seller’s equity. You take over the $427,404 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $112,657.26 is due at closing. Uses and sources reconcile at $540,061.70 each. Not a Closing Disclosure.