Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$236,855Cash toward the purchase price.
Closing costs + prepaids$14,624Not just lender fees.
Before credits & paid funds$251,479The complete starting cash picture.
Estimated remaining funds due at closing
$251,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,855.17
Your down payment$236,855.17
Closing costs + prepaids$14,623.90
Total buyer cash needed$251,479.08
Remaining funds due$251,479.08
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%)$1,440.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$531.75
Initial HOA (3 months)$306.00
Prepaid interest, first (31 days)$1,627.43
Fees + prepaids$14,623.90
Your down payment is the seller’s equity. You take over the $288,145 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $251,479.08 is due at closing. Uses and sources reconcile at $539,623.90 each. Not a Closing Disclosure.