Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$396,056Cash toward the purchase price.
Closing costs + prepaids$12,354Not just lender fees.
Before credits & paid funds$408,411The complete starting cash picture.
Estimated remaining funds due at closing
$408,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$396,056.38
Your down payment$396,056.38
Closing costs + prepaids$12,354.46
Total buyer cash needed$408,410.85
Remaining funds due$408,410.85
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%)$644.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$495.25
Initial HOA (3 months)$56.25
Prepaid interest, first (31 days)$440.25
Fees + prepaids$12,354.46
Your down payment is the seller’s equity. You take over the $128,944 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $408,410.85 is due at closing. Uses and sources reconcile at $537,354.46 each. Not a Closing Disclosure.