Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$201,006Cash toward the purchase price.
Closing costs + prepaids$14,479Not just lender fees.
Before credits & paid funds$215,485The complete starting cash picture.
Estimated remaining funds due at closing
$215,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,006.28
Your down payment$201,006.28
Closing costs + prepaids$14,478.52
Total buyer cash needed$215,484.79
Remaining funds due$215,484.79
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,644.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,261.00
Initial HOA (3 months)$28.50
Prepaid interest, first (30 days)$776.06
Fees + prepaids$14,478.52
Your down payment is the seller’s equity. You take over the $328,993 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $215,484.79 is due at closing. Uses and sources reconcile at $544,477.52 each. Not a Closing Disclosure.