Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$238,017Cash toward the purchase price.
Closing costs + prepaids$13,079Not just lender fees.
Before credits & paid funds$251,096The complete starting cash picture.
Estimated remaining funds due at closing
$251,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,016.95
Your down payment$238,016.95
Closing costs + prepaids$13,078.86
Total buyer cash needed$251,095.81
Remaining funds due$251,095.81
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,454.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Prepaid interest, first (10 days)$231.19
Fees + prepaids$13,078.86
Your down payment is the seller’s equity. You take over the $290,983 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $251,095.81 is due at closing. Uses and sources reconcile at $542,078.86 each. Not a Closing Disclosure.