Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$216,264Cash toward the purchase price.
Closing costs + prepaids$14,870Not just lender fees.
Before credits & paid funds$231,134The complete starting cash picture.
Estimated remaining funds due at closing
$231,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,264.06
Your down payment$216,264.06
Closing costs + prepaids$14,870.11
Total buyer cash needed$231,134.17
Remaining funds due$231,134.17
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%)$1,543.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$687.00
Prepaid interest, first (23 days)$608.93
Fees + prepaids$14,870.11
Your down payment is the seller’s equity. You take over the $308,736 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $231,134.17 is due at closing. Uses and sources reconcile at $539,870.11 each. Not a Closing Disclosure.