Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$132,994Cash toward the purchase price.
Closing costs + prepaids$15,347Not just lender fees.
Before credits & paid funds$148,341The complete starting cash picture.
Estimated remaining funds due at closing
$148,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,993.80
Your down payment$132,993.80
Closing costs + prepaids$15,347.16
Total buyer cash needed$148,340.96
Remaining funds due$148,340.96
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%)$1,960.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,313.75
Initial HOA (3 months)$279.99
Prepaid interest, first (31 days)$1,075.39
Fees + prepaids$15,347.16
Your down payment is the seller’s equity. You take over the $392,006 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $148,340.96 is due at closing. Uses and sources reconcile at $540,347.16 each. Not a Closing Disclosure.