Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$190,678Cash toward the purchase price.
Closing costs + prepaids$13,674Not just lender fees.
Before credits & paid funds$204,352The complete starting cash picture.
Estimated remaining funds due at closing
$204,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,678.41
Your down payment$190,678.41
Closing costs + prepaids$13,673.96
Total buyer cash needed$204,352.37
Remaining funds due$204,352.37
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%)$1,671.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$497.00
Prepaid interest, first (28 days)$787.35
Fees + prepaids$13,673.96
Your down payment is the seller’s equity. You take over the $334,322 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $204,352.37 is due at closing. Uses and sources reconcile at $538,673.96 each. Not a Closing Disclosure.