Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$243,738Cash toward the purchase price.
Closing costs + prepaids$13,193Not just lender fees.
Before credits & paid funds$256,931The complete starting cash picture.
Estimated remaining funds due at closing
$256,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,738.40
Your down payment$243,738.40
Closing costs + prepaids$13,192.66
Total buyer cash needed$256,931.06
Remaining funds due$256,931.06
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%)$1,406.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$198.35
Fees + prepaids$13,192.66
Your down payment is the seller’s equity. You take over the $281,262 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $256,931.06 is due at closing. Uses and sources reconcile at $538,192.66 each. Not a Closing Disclosure.