Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$342,503Cash toward the purchase price.
Closing costs + prepaids$12,774Not just lender fees.
Before credits & paid funds$355,276The complete starting cash picture.
Estimated remaining funds due at closing
$355,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,502.82
Your down payment$342,502.82
Closing costs + prepaids$12,773.53
Total buyer cash needed$355,276.34
Remaining funds due$355,276.34
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%)$912.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$646.25
Prepaid interest, first (24 days)$496.79
Fees + prepaids$12,773.53
Your down payment is the seller’s equity. You take over the $182,497 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $355,276.34 is due at closing. Uses and sources reconcile at $537,773.53 each. Not a Closing Disclosure.