Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$270,528Cash toward the purchase price.
Closing costs + prepaids$13,618Not just lender fees.
Before credits & paid funds$284,146The complete starting cash picture.
Estimated remaining funds due at closing
$284,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,528.28
Your down payment$270,528.28
Closing costs + prepaids$13,617.80
Total buyer cash needed$284,146.08
Remaining funds due$284,146.08
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%)$1,272.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$406.00
Initial HOA (3 months)$465.00
Prepaid interest, first (31 days)$756.44
Fees + prepaids$13,617.80
Your down payment is the seller’s equity. You take over the $254,472 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $284,146.08 is due at closing. Uses and sources reconcile at $538,617.80 each. Not a Closing Disclosure.