Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$57,421Cash toward the purchase price.
Closing costs + prepaids$14,773Not just lender fees.
Before credits & paid funds$72,194The complete starting cash picture.
Estimated remaining funds due at closing
$72,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,420.88
Your down payment$57,420.88
Closing costs + prepaids$14,772.85
Total buyer cash needed$72,193.73
Remaining funds due$72,193.73
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%)$2,337.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Initial HOA (3 months)$408.00
Prepaid interest, first (10 days)$678.95
Fees + prepaids$14,772.85
Your down payment is the seller’s equity. You take over the $467,579 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $72,193.73 is due at closing. Uses and sources reconcile at $539,772.85 each. Not a Closing Disclosure.