Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$366,096Cash toward the purchase price.
Closing costs + prepaids$12,596Not just lender fees.
Before credits & paid funds$378,692The complete starting cash picture.
Estimated remaining funds due at closing
$378,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,096.20
Your down payment$366,096.20
Closing costs + prepaids$12,596.12
Total buyer cash needed$378,692.32
Remaining funds due$378,692.32
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%)$794.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$635.00
Initial HOA (3 months)$54.00
Prepaid interest, first (22 days)$394.60
Fees + prepaids$12,596.12
Your down payment is the seller’s equity. You take over the $158,904 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $378,692.32 is due at closing. Uses and sources reconcile at $537,596.12 each. Not a Closing Disclosure.