Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$275,181Cash toward the purchase price.
Closing costs + prepaids$12,910Not just lender fees.
Before credits & paid funds$288,091The complete starting cash picture.
Estimated remaining funds due at closing
$288,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,181.40
Your down payment$275,181.40
Closing costs + prepaids$12,909.98
Total buyer cash needed$288,091.38
Remaining funds due$288,091.38
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%)$1,249.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$179.75
Initial HOA (3 months)$72.00
Prepaid interest, first (27 days)$691.14
Fees + prepaids$12,909.98
Your down payment is the seller’s equity. You take over the $249,819 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $288,091.38 is due at closing. Uses and sources reconcile at $537,909.98 each. Not a Closing Disclosure.