Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$298,901Cash toward the purchase price.
Closing costs + prepaids$12,816Not just lender fees.
Before credits & paid funds$311,718The complete starting cash picture.
Estimated remaining funds due at closing
$311,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,901.40
Your down payment$298,901.40
Closing costs + prepaids$12,816.45
Total buyer cash needed$311,717.85
Remaining funds due$311,717.85
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%)$1,130.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$656.25
Prepaid interest, first (17 days)$311.71
Fees + prepaids$12,816.45
Your down payment is the seller’s equity. You take over the $226,099 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $311,717.85 is due at closing. Uses and sources reconcile at $537,816.45 each. Not a Closing Disclosure.