Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$331,919Cash toward the purchase price.
Closing costs + prepaids$13,032Not just lender fees.
Before credits & paid funds$344,951The complete starting cash picture.
Estimated remaining funds due at closing
$344,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,919.11
Your down payment$331,919.11
Closing costs + prepaids$13,032.25
Total buyer cash needed$344,951.35
Remaining funds due$344,951.35
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%)$965.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$713.25
Initial HOA (3 months)$99.99
Prepaid interest, first (25 days)$535.60
Fees + prepaids$13,032.25
Your down payment is the seller’s equity. You take over the $193,081 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $344,951.35 is due at closing. Uses and sources reconcile at $538,032.25 each. Not a Closing Disclosure.