Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$89,651Cash toward the purchase price.
Closing costs + prepaids$15,712Not just lender fees.
Before credits & paid funds$105,364The complete starting cash picture.
Estimated remaining funds due at closing
$105,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,651.48
Your down payment$89,651.48
Closing costs + prepaids$15,712.26
Total buyer cash needed$105,363.74
Remaining funds due$105,363.74
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%)$2,176.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,037.00
Prepaid interest, first (24 days)$1,780.52
Fees + prepaids$15,712.26
Your down payment is the seller’s equity. You take over the $435,349 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $105,363.74 is due at closing. Uses and sources reconcile at $540,712.26 each. Not a Closing Disclosure.