Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$258,595Cash toward the purchase price.
Closing costs + prepaids$12,458Not just lender fees.
Before credits & paid funds$271,052The complete starting cash picture.
Estimated remaining funds due at closing
$271,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,594.51
Your down payment$258,594.51
Closing costs + prepaids$12,457.62
Total buyer cash needed$271,052.14
Remaining funds due$271,052.14
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%)$1,332.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$26.25
Prepaid interest, first (22 days)$381.36
Fees + prepaids$12,457.62
Your down payment is the seller’s equity. You take over the $266,404 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $271,052.14 is due at closing. Uses and sources reconcile at $537,456.62 each. Not a Closing Disclosure.