Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$283,155Cash toward the purchase price.
Closing costs + prepaids$12,580Not just lender fees.
Before credits & paid funds$295,735The complete starting cash picture.
Estimated remaining funds due at closing
$295,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,154.73
Your down payment$283,154.73
Closing costs + prepaids$12,579.95
Total buyer cash needed$295,734.68
Remaining funds due$295,734.68
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%)$1,209.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$82.50
Prepaid interest, first (26 days)$570.22
Fees + prepaids$12,579.95
Your down payment is the seller’s equity. You take over the $241,845 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $295,734.68 is due at closing. Uses and sources reconcile at $537,579.95 each. Not a Closing Disclosure.