Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$190,391Cash toward the purchase price.
Closing costs + prepaids$13,747Not just lender fees.
Before credits & paid funds$204,138The complete starting cash picture.
Estimated remaining funds due at closing
$204,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,390.76
Your down payment$190,390.76
Closing costs + prepaids$13,747.05
Total buyer cash needed$204,137.81
Remaining funds due$204,137.81
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,643.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$490.50
Initial HOA (3 months)$393.00
Prepaid interest, first (22 days)$562.51
Fees + prepaids$13,747.05
Your down payment is the seller’s equity. You take over the $328,609 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $204,137.81 is due at closing. Uses and sources reconcile at $532,747.05 each. Not a Closing Disclosure.