Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$191,164Cash toward the purchase price.
Closing costs + prepaids$13,315Not just lender fees.
Before credits & paid funds$204,478The complete starting cash picture.
Estimated remaining funds due at closing
$204,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,163.81
Your down payment$191,163.81
Closing costs + prepaids$13,314.62
Total buyer cash needed$204,478.43
Remaining funds due$204,478.43
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%)$1,669.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (12 days)$297.43
Fees + prepaids$13,314.62
Your down payment is the seller’s equity. You take over the $333,836 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $204,478.43 is due at closing. Uses and sources reconcile at $538,314.62 each. Not a Closing Disclosure.