Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$184,058Cash toward the purchase price.
Closing costs + prepaids$12,887Not just lender fees.
Before credits & paid funds$196,945The complete starting cash picture.
Estimated remaining funds due at closing
$196,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,057.57
Your down payment$184,057.57
Closing costs + prepaids$12,887.27
Total buyer cash needed$196,944.84
Remaining funds due$196,944.84
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,679.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$514.25
Prepaid interest, first (1 days)$25.31
Fees + prepaids$12,887.27
Your down payment is the seller’s equity. You take over the $335,942 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $196,944.84 is due at closing. Uses and sources reconcile at $532,887.27 each. Not a Closing Disclosure.