Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$382,249Cash toward the purchase price.
Closing costs + prepaids$12,079Not just lender fees.
Before credits & paid funds$394,328The complete starting cash picture.
Estimated remaining funds due at closing
$394,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,248.84
Your down payment$382,248.84
Closing costs + prepaids$12,079.32
Total buyer cash needed$394,328.16
Remaining funds due$394,328.16
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%)$713.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$616.75
Prepaid interest, first (2 days)$30.82
Fees + prepaids$12,079.32
Your down payment is the seller’s equity. You take over the $142,751 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $394,328.16 is due at closing. Uses and sources reconcile at $537,079.32 each. Not a Closing Disclosure.