Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$235,188Cash toward the purchase price.
Closing costs + prepaids$13,637Not just lender fees.
Before credits & paid funds$248,825The complete starting cash picture.
Estimated remaining funds due at closing
$248,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,188.29
Your down payment$235,188.29
Closing costs + prepaids$13,636.88
Total buyer cash needed$248,825.17
Remaining funds due$248,825.17
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%)$5,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,449.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$834.00
Prepaid interest, first (26 days)$635.84
Fees + prepaids$13,636.88
Your down payment is the seller’s equity. You take over the $289,811 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $248,825.17 is due at closing. Uses and sources reconcile at $538,635.88 each. Not a Closing Disclosure.