Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$237,348Cash toward the purchase price.
Closing costs + prepaids$12,803Not just lender fees.
Before credits & paid funds$250,151The complete starting cash picture.
Estimated remaining funds due at closing
$250,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,347.59
Your down payment$237,347.59
Closing costs + prepaids$12,803.11
Total buyer cash needed$250,150.70
Remaining funds due$250,150.70
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%)$1,458.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$540.50
Prepaid interest, first (2 days)$46.34
Fees + prepaids$12,803.11
Your down payment is the seller’s equity. You take over the $291,652 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $250,150.70 is due at closing. Uses and sources reconcile at $541,803.11 each. Not a Closing Disclosure.