Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$73,194Cash toward the purchase price.
Closing costs + prepaids$14,834Not just lender fees.
Before credits & paid funds$88,029The complete starting cash picture.
Estimated remaining funds due at closing
$88,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,194.21
Your down payment$73,194.21
Closing costs + prepaids$14,834.47
Total buyer cash needed$88,028.68
Remaining funds due$88,028.68
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%)$2,259.03
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)$510.00
Prepaid interest, first (18 days)$717.44
Fees + prepaids$14,834.47
Your down payment is the seller’s equity. You take over the $451,806 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $88,028.68 is due at closing. Uses and sources reconcile at $539,834.47 each. Not a Closing Disclosure.