Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$222,575Cash toward the purchase price.
Closing costs + prepaids$13,470Not just lender fees.
Before credits & paid funds$236,045The complete starting cash picture.
Estimated remaining funds due at closing
$236,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,574.98
Your down payment$222,574.98
Closing costs + prepaids$13,469.83
Total buyer cash needed$236,044.81
Remaining funds due$236,044.81
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%)$1,512.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$537.25
Prepaid interest, first (27 days)$702.45
Fees + prepaids$13,469.83
Your down payment is the seller’s equity. You take over the $302,425 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $236,044.81 is due at closing. Uses and sources reconcile at $538,469.83 each. Not a Closing Disclosure.