Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$333,678Cash toward the purchase price.
Closing costs + prepaids$13,019Not just lender fees.
Before credits & paid funds$346,698The complete starting cash picture.
Estimated remaining funds due at closing
$346,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,678.35
Your down payment$333,678.35
Closing costs + prepaids$13,019.39
Total buyer cash needed$346,697.74
Remaining funds due$346,697.74
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%)$956.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$438.50
Initial HOA (3 months)$282.00
Prepaid interest, first (30 days)$624.29
Fees + prepaids$13,019.39
Your down payment is the seller’s equity. You take over the $191,322 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $346,697.74 is due at closing. Uses and sources reconcile at $538,019.39 each. Not a Closing Disclosure.