Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$257,519Cash toward the purchase price.
Closing costs + prepaids$13,101Not just lender fees.
Before credits & paid funds$270,620The complete starting cash picture.
Estimated remaining funds due at closing
$270,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,518.82
Your down payment$257,518.82
Closing costs + prepaids$13,100.85
Total buyer cash needed$270,619.66
Remaining funds due$270,619.66
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%)$1,337.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.25
Initial HOA (3 months)$60.00
Prepaid interest, first (20 days)$397.19
Fees + prepaids$13,100.85
Your down payment is the seller’s equity. You take over the $267,481 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $270,619.66 is due at closing. Uses and sources reconcile at $538,100.85 each. Not a Closing Disclosure.