Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$157,828Cash toward the purchase price.
Closing costs + prepaids$14,371Not just lender fees.
Before credits & paid funds$172,199The complete starting cash picture.
Estimated remaining funds due at closing
$172,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,828.28
Your down payment$157,828.28
Closing costs + prepaids$14,370.74
Total buyer cash needed$172,199.02
Remaining funds due$172,199.02
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%)$1,835.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$86.75
Prepaid interest, first (27 days)$1,730.13
Fees + prepaids$14,370.74
Your down payment is the seller’s equity. You take over the $367,172 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $172,199.02 is due at closing. Uses and sources reconcile at $539,370.74 each. Not a Closing Disclosure.