Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$263,791Cash toward the purchase price.
Closing costs + prepaids$14,394Not just lender fees.
Before credits & paid funds$278,185The complete starting cash picture.
Estimated remaining funds due at closing
$278,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,791.16
Your down payment$263,791.16
Closing costs + prepaids$14,394.31
Total buyer cash needed$278,185.47
Remaining funds due$278,185.47
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%)$1,306.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$126.00
Prepaid interest, first (30 days)$931.76
Fees + prepaids$14,394.31
Your down payment is the seller’s equity. You take over the $261,209 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $278,185.47 is due at closing. Uses and sources reconcile at $539,394.31 each. Not a Closing Disclosure.