Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$204,513Cash toward the purchase price.
Closing costs + prepaids$14,836Not just lender fees.
Before credits & paid funds$219,348The complete starting cash picture.
Estimated remaining funds due at closing
$219,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,512.85
Your down payment$204,512.85
Closing costs + prepaids$14,835.57
Total buyer cash needed$219,348.41
Remaining funds due$219,348.41
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,677.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$363.00
Prepaid interest, first (23 days)$577.13
Fees + prepaids$14,835.57
Your down payment is the seller’s equity. You take over the $335,487 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $219,348.41 is due at closing. Uses and sources reconcile at $554,835.57 each. Not a Closing Disclosure.