Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$217,136Cash toward the purchase price.
Closing costs + prepaids$14,230Not just lender fees.
Before credits & paid funds$231,366The complete starting cash picture.
Estimated remaining funds due at closing
$231,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,136.13
Your down payment$217,136.13
Closing costs + prepaids$14,229.71
Total buyer cash needed$231,365.84
Remaining funds due$231,365.84
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,509.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,310.75
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$571.64
Fees + prepaids$14,229.71
Your down payment is the seller’s equity. You take over the $301,864 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $231,365.84 is due at closing. Uses and sources reconcile at $533,229.71 each. Not a Closing Disclosure.