Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$192,877Cash toward the purchase price.
Closing costs + prepaids$14,534Not just lender fees.
Before credits & paid funds$207,410The complete starting cash picture.
Estimated remaining funds due at closing
$207,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,876.53
Your down payment$192,876.53
Closing costs + prepaids$14,533.79
Total buyer cash needed$207,410.31
Remaining funds due$207,410.31
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%)$1,660.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$312.00
Prepaid interest, first (18 days)$530.67
Fees + prepaids$14,533.79
Your down payment is the seller’s equity. You take over the $332,123 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $207,410.31 is due at closing. Uses and sources reconcile at $539,533.79 each. Not a Closing Disclosure.