Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$346,327Cash toward the purchase price.
Closing costs + prepaids$12,653Not just lender fees.
Before credits & paid funds$358,980The complete starting cash picture.
Estimated remaining funds due at closing
$358,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,327.13
Your down payment$346,327.13
Closing costs + prepaids$12,652.65
Total buyer cash needed$358,979.78
Remaining funds due$358,979.78
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%)$893.36
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)$315.00
Prepaid interest, first (7 days)$96.29
Fees + prepaids$12,652.65
Your down payment is the seller’s equity. You take over the $178,673 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $358,979.78 is due at closing. Uses and sources reconcile at $537,652.65 each. Not a Closing Disclosure.