Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$232,083Cash toward the purchase price.
Closing costs + prepaids$13,559Not just lender fees.
Before credits & paid funds$245,642The complete starting cash picture.
Estimated remaining funds due at closing
$245,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,083.30
Your down payment$232,083.30
Closing costs + prepaids$13,558.64
Total buyer cash needed$245,641.94
Remaining funds due$245,641.94
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,484.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$498.50
Initial HOA (3 months)$86.25
Prepaid interest, first (31 days)$731.31
Fees + prepaids$13,558.64
Your down payment is the seller’s equity. You take over the $296,917 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $245,641.94 is due at closing. Uses and sources reconcile at $542,558.64 each. Not a Closing Disclosure.