Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$208,943Cash toward the purchase price.
Closing costs + prepaids$15,838Not just lender fees.
Before credits & paid funds$224,781The complete starting cash picture.
Estimated remaining funds due at closing
$224,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,943.36
Your down payment$208,943.36
Closing costs + prepaids$15,838.07
Total buyer cash needed$224,781.43
Remaining funds due$224,781.43
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%)$5,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,605.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Initial HOA (3 months)$1,401.00
Prepaid interest, first (31 days)$738.94
Fees + prepaids$15,838.07
Your down payment is the seller’s equity. You take over the $321,047 balance, so the rest of the $529,990 price is paid at closing. A second mortgage can cover part of it. $224,781.43 is due at closing. Uses and sources reconcile at $545,828.07 each. Not a Closing Disclosure.