Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$239,505Cash toward the purchase price.
Closing costs + prepaids$13,716Not just lender fees.
Before credits & paid funds$253,221The complete starting cash picture.
Estimated remaining funds due at closing
$253,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,504.95
Your down payment$239,504.95
Closing costs + prepaids$13,716.32
Total buyer cash needed$253,221.27
Remaining funds due$253,221.27
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%)$1,427.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.25
Initial HOA (3 months)$38.76
Prepaid interest, first (29 days)$691.84
Fees + prepaids$13,716.32
Your down payment is the seller’s equity. You take over the $285,495 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $253,221.27 is due at closing. Uses and sources reconcile at $538,716.32 each. Not a Closing Disclosure.