Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$225,652Cash toward the purchase price.
Closing costs + prepaids$13,308Not just lender fees.
Before credits & paid funds$238,960The complete starting cash picture.
Estimated remaining funds due at closing
$238,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,652.18
Your down payment$225,652.18
Closing costs + prepaids$13,308.01
Total buyer cash needed$238,960.19
Remaining funds due$238,960.19
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%)$1,496.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$341.50
Initial HOA (3 months)$95.01
Prepaid interest, first (26 days)$656.76
Fees + prepaids$13,308.01
Your down payment is the seller’s equity. You take over the $299,348 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $238,960.19 is due at closing. Uses and sources reconcile at $538,308.01 each. Not a Closing Disclosure.