Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$184,613Cash toward the purchase price.
Closing costs + prepaids$13,727Not just lender fees.
Before credits & paid funds$198,340The complete starting cash picture.
Estimated remaining funds due at closing
$198,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,612.97
Your down payment$184,612.97
Closing costs + prepaids$13,726.85
Total buyer cash needed$198,339.81
Remaining funds due$198,339.81
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%)$5,259.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,706.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.50
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$684.91
Fees + prepaids$13,726.85
Your down payment is the seller’s equity. You take over the $341,287 balance, so the rest of the $525,900 price is paid at closing. A second mortgage can cover part of it. $198,339.81 is due at closing. Uses and sources reconcile at $539,626.85 each. Not a Closing Disclosure.