Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$212,148Cash toward the purchase price.
Closing costs + prepaids$13,149Not just lender fees.
Before credits & paid funds$225,298The complete starting cash picture.
Estimated remaining funds due at closing
$225,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,148.46
Your down payment$212,148.46
Closing costs + prepaids$13,149.08
Total buyer cash needed$225,297.54
Remaining funds due$225,297.54
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%)$1,564.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (9 days)$236.82
Fees + prepaids$13,149.08
Your down payment is the seller’s equity. You take over the $312,852 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $225,297.54 is due at closing. Uses and sources reconcile at $538,149.08 each. Not a Closing Disclosure.