Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$333,678Cash toward the purchase price.
Closing costs + prepaids$13,040Not just lender fees.
Before credits & paid funds$346,719The complete starting cash picture.
Estimated remaining funds due at closing
$346,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,678.35
Your down payment$333,678.35
Closing costs + prepaids$13,040.20
Total buyer cash needed$346,718.55
Remaining funds due$346,718.55
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%)$956.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$438.50
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$645.09
Fees + prepaids$13,040.20
Your down payment is the seller’s equity. You take over the $191,322 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $346,718.55 is due at closing. Uses and sources reconcile at $538,040.20 each. Not a Closing Disclosure.