Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$186,573Cash toward the purchase price.
Closing costs + prepaids$15,108Not just lender fees.
Before credits & paid funds$201,680The complete starting cash picture.
Estimated remaining funds due at closing
$201,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,572.82
Your down payment$186,572.82
Closing costs + prepaids$15,107.65
Total buyer cash needed$201,680.47
Remaining funds due$201,680.47
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,762.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$852.25
Prepaid interest, first (29 days)$1,635.26
Fees + prepaids$15,107.65
Your down payment is the seller’s equity. You take over the $352,427 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $201,680.47 is due at closing. Uses and sources reconcile at $554,107.65 each. Not a Closing Disclosure.