Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$223,912Cash toward the purchase price.
Closing costs + prepaids$14,381Not just lender fees.
Before credits & paid funds$238,293The complete starting cash picture.
Estimated remaining funds due at closing
$238,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,911.73
Your down payment$223,911.73
Closing costs + prepaids$14,380.83
Total buyer cash needed$238,292.55
Remaining funds due$238,292.55
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$844.00
Prepaid interest, first (30 days)$1,163.38
Fees + prepaids$14,380.83
Your down payment is the seller’s equity. You take over the $311,088 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $238,292.55 is due at closing. Uses and sources reconcile at $549,380.83 each. Not a Closing Disclosure.