Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,691Cash toward the purchase price.
Closing costs + prepaids$14,902Not just lender fees.
Before credits & paid funds$91,592The complete starting cash picture.
Estimated remaining funds due at closing
$91,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,690.52
Your down payment$76,690.52
Closing costs + prepaids$14,901.62
Total buyer cash needed$91,592.14
Remaining funds due$91,592.14
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%)$2,241.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$217.50
Initial HOA (3 months)$112.50
Prepaid interest, first (25 days)$1,612.07
Fees + prepaids$14,901.62
Your down payment is the seller’s equity. You take over the $448,309 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $91,592.14 is due at closing. Uses and sources reconcile at $539,901.62 each. Not a Closing Disclosure.