Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$311,370Cash toward the purchase price.
Closing costs + prepaids$13,547Not just lender fees.
Before credits & paid funds$324,918The complete starting cash picture.
Estimated remaining funds due at closing
$324,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,370.29
Your down payment$311,370.29
Closing costs + prepaids$13,547.44
Total buyer cash needed$324,917.73
Remaining funds due$324,917.73
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%)$1,068.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$813.25
Initial HOA (3 months)$315.00
Prepaid interest, first (26 days)$633.05
Fees + prepaids$13,547.44
Your down payment is the seller’s equity. You take over the $213,630 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $324,917.73 is due at closing. Uses and sources reconcile at $538,547.44 each. Not a Closing Disclosure.