Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$59,749Cash toward the purchase price.
Closing costs + prepaids$15,526Not just lender fees.
Before credits & paid funds$75,275The complete starting cash picture.
Estimated remaining funds due at closing
$75,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,749.11
Your down payment$59,749.11
Closing costs + prepaids$15,526.18
Total buyer cash needed$75,275.30
Remaining funds due$75,275.30
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%)$2,326.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.25
Initial HOA (3 months)$207.00
Prepaid interest, first (22 days)$1,766.68
Fees + prepaids$15,526.18
Your down payment is the seller’s equity. You take over the $465,251 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $75,275.30 is due at closing. Uses and sources reconcile at $540,526.18 each. Not a Closing Disclosure.