Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,179Cash toward the purchase price.
Closing costs + prepaids$16,015Not just lender fees.
Before credits & paid funds$66,194The complete starting cash picture.
Estimated remaining funds due at closing
$66,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,178.55
Your down payment$50,178.55
Closing costs + prepaids$16,015.36
Total buyer cash needed$66,193.91
Remaining funds due$66,193.91
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%)$2,374.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$280.50
Initial HOA (3 months)$495.00
Prepaid interest, first (26 days)$2,147.75
Fees + prepaids$16,015.36
Your down payment is the seller’s equity. You take over the $474,821 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $66,193.91 is due at closing. Uses and sources reconcile at $541,015.36 each. Not a Closing Disclosure.