Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$409,784Cash toward the purchase price.
Closing costs + prepaids$12,122Not just lender fees.
Before credits & paid funds$421,905The complete starting cash picture.
Estimated remaining funds due at closing
$421,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,783.77
Your down payment$409,783.77
Closing costs + prepaids$12,121.51
Total buyer cash needed$421,905.28
Remaining funds due$421,905.28
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%)$576.08
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)$171.18
Fees + prepaids$12,121.51
Your down payment is the seller’s equity. You take over the $115,216 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $421,905.28 is due at closing. Uses and sources reconcile at $537,121.51 each. Not a Closing Disclosure.