Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$199,939Cash toward the purchase price.
Closing costs + prepaids$14,528Not just lender fees.
Before credits & paid funds$214,468The complete starting cash picture.
Estimated remaining funds due at closing
$214,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,939.26
Your down payment$199,939.26
Closing costs + prepaids$14,528.42
Total buyer cash needed$214,467.68
Remaining funds due$214,467.68
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%)$1,625.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,168.25
Initial HOA (3 months)$210.00
Prepaid interest, first (30 days)$806.86
Fees + prepaids$14,528.42
Your down payment is the seller’s equity. You take over the $325,061 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $214,467.68 is due at closing. Uses and sources reconcile at $539,528.42 each. Not a Closing Disclosure.