Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$243,738Cash toward the purchase price.
Closing costs + prepaids$13,392Not just lender fees.
Before credits & paid funds$257,130The complete starting cash picture.
Estimated remaining funds due at closing
$257,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,738.40
Your down payment$243,738.40
Closing costs + prepaids$13,392.00
Total buyer cash needed$257,130.41
Remaining funds due$257,130.41
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%)$1,406.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$631.00
Initial HOA (3 months)$240.00
Prepaid interest, first (18 days)$396.69
Fees + prepaids$13,392.00
Your down payment is the seller’s equity. You take over the $281,262 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $257,130.41 is due at closing. Uses and sources reconcile at $538,392.00 each. Not a Closing Disclosure.