Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$209,329Cash toward the purchase price.
Closing costs + prepaids$14,367Not just lender fees.
Before credits & paid funds$223,696The complete starting cash picture.
Estimated remaining funds due at closing
$223,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,328.89
Your down payment$209,328.89
Closing costs + prepaids$14,367.42
Total buyer cash needed$223,696.30
Remaining funds due$223,696.30
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%)$5,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,578.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.50
Prepaid interest, first (31 days)$758.71
Fees + prepaids$14,367.42
Your down payment is the seller’s equity. You take over the $315,661 balance, so the rest of the $524,990 price is paid at closing. A second mortgage can cover part of it. $223,696.30 is due at closing. Uses and sources reconcile at $539,357.42 each. Not a Closing Disclosure.