Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$269,950Cash toward the purchase price.
Closing costs + prepaids$12,889Not just lender fees.
Before credits & paid funds$282,839The complete starting cash picture.
Estimated remaining funds due at closing
$282,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,950.15
Your down payment$269,950.15
Closing costs + prepaids$12,888.71
Total buyer cash needed$282,838.86
Remaining funds due$282,838.86
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%)$1,275.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$406.00
Initial HOA (3 months)$465.00
Prepaid interest, first (1 days)$24.46
Fees + prepaids$12,888.71
Your down payment is the seller’s equity. You take over the $255,050 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $282,838.86 is due at closing. Uses and sources reconcile at $537,888.71 each. Not a Closing Disclosure.