Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$307,383Cash toward the purchase price.
Closing costs + prepaids$12,367Not just lender fees.
Before credits & paid funds$319,751The complete starting cash picture.
Estimated remaining funds due at closing
$319,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,383.29
Your down payment$307,383.29
Closing costs + prepaids$12,367.33
Total buyer cash needed$319,750.62
Remaining funds due$319,750.62
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%)$1,088.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$178.25
Initial HOA (3 months)$339.00
Prepaid interest, first (2 days)$44.00
Fees + prepaids$12,367.33
Your down payment is the seller’s equity. You take over the $217,617 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $319,750.62 is due at closing. Uses and sources reconcile at $537,367.33 each. Not a Closing Disclosure.