Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$319,073Cash toward the purchase price.
Closing costs + prepaids$13,545Not just lender fees.
Before credits & paid funds$332,618The complete starting cash picture.
Estimated remaining funds due at closing
$332,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,073.37
Your down payment$319,073.37
Closing costs + prepaids$13,544.54
Total buyer cash needed$332,617.91
Remaining funds due$332,617.91
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%)$1,029.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Prepaid interest, first (27 days)$484.41
Fees + prepaids$13,544.54
Your down payment is the seller’s equity. You take over the $205,927 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $332,617.91 is due at closing. Uses and sources reconcile at $538,544.54 each. Not a Closing Disclosure.