Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$238,017Cash toward the purchase price.
Closing costs + prepaids$13,216Not just lender fees.
Before credits & paid funds$251,233The complete starting cash picture.
Estimated remaining funds due at closing
$251,233No 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$13,215.80
Total buyer cash needed$251,232.75
Remaining funds due$251,232.75
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)$540.50
Prepaid interest, first (20 days)$462.38
Fees + prepaids$13,215.80
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. $251,232.75 is due at closing. Uses and sources reconcile at $542,215.80 each. Not a Closing Disclosure.