Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$255,820Cash toward the purchase price.
Closing costs + prepaids$13,991Not just lender fees.
Before credits & paid funds$269,811The complete starting cash picture.
Estimated remaining funds due at closing
$269,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,819.81
Your down payment$255,819.81
Closing costs + prepaids$13,990.78
Total buyer cash needed$269,810.59
Remaining funds due$269,810.59
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%)$1,345.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,286.75
Prepaid interest, first (31 days)$640.13
Fees + prepaids$13,990.78
Your down payment is the seller’s equity. You take over the $269,180 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $269,810.59 is due at closing. Uses and sources reconcile at $538,990.78 each. Not a Closing Disclosure.