Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$154,178Cash toward the purchase price.
Closing costs + prepaids$13,902Not just lender fees.
Before credits & paid funds$168,079The complete starting cash picture.
Estimated remaining funds due at closing
$168,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,177.89
Your down payment$154,177.89
Closing costs + prepaids$13,901.51
Total buyer cash needed$168,079.40
Remaining funds due$168,079.40
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%)$1,854.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.00
Prepaid interest, first (27 days)$732.40
Fees + prepaids$13,901.51
Your down payment is the seller’s equity. You take over the $370,822 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $168,079.40 is due at closing. Uses and sources reconcile at $538,901.51 each. Not a Closing Disclosure.