Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$249,644Cash toward the purchase price.
Closing costs + prepaids$14,162Not just lender fees.
Before credits & paid funds$263,806The complete starting cash picture.
Estimated remaining funds due at closing
$263,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,644.05
Your down payment$249,644.05
Closing costs + prepaids$14,162.06
Total buyer cash needed$263,806.10
Remaining funds due$263,806.10
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%)$1,376.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Prepaid interest, first (29 days)$754.78
Fees + prepaids$14,162.06
Your down payment is the seller’s equity. You take over the $275,356 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $263,806.10 is due at closing. Uses and sources reconcile at $539,162.06 each. Not a Closing Disclosure.