Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,527Cash toward the purchase price.
Closing costs + prepaids$9,472Not just lender fees.
Before credits & paid funds$59,999The complete starting cash picture.
Estimated remaining funds due at closing
$59,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,526.69
Your down payment$50,526.69
Closing costs + prepaids$9,471.84
Total buyer cash needed$59,998.53
Remaining funds due$59,998.53
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%)$872.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$274.50
Prepaid interest, first (27 days)$856.97
Fees + prepaids$9,471.84
Your down payment is the seller’s equity. You take over the $174,473 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $59,998.53 is due at closing. Uses and sources reconcile at $234,471.84 each. Not a Closing Disclosure.