Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$314,370Cash toward the purchase price.
Closing costs + prepaids$13,589Not just lender fees.
Before credits & paid funds$327,959The complete starting cash picture.
Estimated remaining funds due at closing
$327,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,370.07
Your down payment$314,370.07
Closing costs + prepaids$13,589.39
Total buyer cash needed$327,959.47
Remaining funds due$327,959.47
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%)$1,053.15
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 (28 days)$505.74
Fees + prepaids$13,589.39
Your down payment is the seller’s equity. You take over the $210,630 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $327,959.47 is due at closing. Uses and sources reconcile at $538,589.39 each. Not a Closing Disclosure.