Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$198,211Cash toward the purchase price.
Closing costs + prepaids$13,341Not just lender fees.
Before credits & paid funds$211,552The complete starting cash picture.
Estimated remaining funds due at closing
$211,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,210.83
Your down payment$198,210.83
Closing costs + prepaids$13,340.95
Total buyer cash needed$211,551.79
Remaining funds due$211,551.79
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%)$1,633.95
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)$135.00
Prepaid interest, first (6 days)$224.01
Fees + prepaids$13,340.95
Your down payment is the seller’s equity. You take over the $326,789 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $211,551.79 is due at closing. Uses and sources reconcile at $538,340.95 each. Not a Closing Disclosure.