Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$278,920Cash toward the purchase price.
Closing costs + prepaids$13,411Not just lender fees.
Before credits & paid funds$292,331The complete starting cash picture.
Estimated remaining funds due at closing
$292,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,919.72
Your down payment$278,919.72
Closing costs + prepaids$13,411.49
Total buyer cash needed$292,331.21
Remaining funds due$292,331.21
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%)$1,230.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$807.75
Initial HOA (3 months)$143.76
Prepaid interest, first (28 days)$511.58
Fees + prepaids$13,411.49
Your down payment is the seller’s equity. You take over the $246,080 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $292,331.21 is due at closing. Uses and sources reconcile at $538,411.49 each. Not a Closing Disclosure.