Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$132,575Cash toward the purchase price.
Closing costs + prepaids$14,530Not just lender fees.
Before credits & paid funds$147,105The complete starting cash picture.
Estimated remaining funds due at closing
$147,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,575.12
Your down payment$132,575.12
Closing costs + prepaids$14,530.06
Total buyer cash needed$147,105.18
Remaining funds due$147,105.18
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%)$1,962.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,653.00
Initial HOA (3 months)$47.49
Prepaid interest, first (2 days)$149.44
Fees + prepaids$14,530.06
Your down payment is the seller’s equity. You take over the $392,425 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $147,105.18 is due at closing. Uses and sources reconcile at $539,530.06 each. Not a Closing Disclosure.