Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$90,420Cash toward the purchase price.
Closing costs + prepaids$15,282Not just lender fees.
Before credits & paid funds$105,702The complete starting cash picture.
Estimated remaining funds due at closing
$105,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,420.00
Your down payment$90,420.00
Closing costs + prepaids$15,282.18
Total buyer cash needed$105,702.18
Remaining funds due$105,702.18
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%)$2,172.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Initial HOA (3 months)$759.00
Prepaid interest, first (18 days)$1,044.78
Fees + prepaids$15,282.18
Your down payment is the seller’s equity. You take over the $434,580 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $105,702.18 is due at closing. Uses and sources reconcile at $540,282.18 each. Not a Closing Disclosure.