Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$191,431Cash toward the purchase price.
Closing costs + prepaids$14,986Not just lender fees.
Before credits & paid funds$206,417The complete starting cash picture.
Estimated remaining funds due at closing
$206,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,430.83
Your down payment$191,430.83
Closing costs + prepaids$14,986.21
Total buyer cash needed$206,417.05
Remaining funds due$206,417.05
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,617.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.50
Initial HOA (3 months)$1,455.00
Prepaid interest, first (30 days)$664.87
Fees + prepaids$14,986.21
Your down payment is the seller’s equity. You take over the $323,569 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $206,417.05 is due at closing. Uses and sources reconcile at $529,986.21 each. Not a Closing Disclosure.