Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$295,806Cash toward the purchase price.
Closing costs + prepaids$12,694Not just lender fees.
Before credits & paid funds$308,500The complete starting cash picture.
Estimated remaining funds due at closing
$308,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,806.48
Your down payment$295,806.48
Closing costs + prepaids$12,693.78
Total buyer cash needed$308,500.26
Remaining funds due$308,500.26
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%)$1,165.97
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 (7 days)$135.06
Fees + prepaids$12,693.78
Your down payment is the seller’s equity. You take over the $233,194 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $308,500.26 is due at closing. Uses and sources reconcile at $541,693.78 each. Not a Closing Disclosure.