Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$192,659Cash toward the purchase price.
Closing costs + prepaids$14,734Not just lender fees.
Before credits & paid funds$207,393The complete starting cash picture.
Estimated remaining funds due at closing
$207,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,658.98
Your down payment$192,658.98
Closing costs + prepaids$14,734.24
Total buyer cash needed$207,393.22
Remaining funds due$207,393.22
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,686.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,324.75
Prepaid interest, first (30 days)$956.29
Fees + prepaids$14,734.24
Your down payment is the seller’s equity. You take over the $337,241 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $207,393.22 is due at closing. Uses and sources reconcile at $544,634.24 each. Not a Closing Disclosure.