Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$208,062Cash toward the purchase price.
Closing costs + prepaids$14,523Not just lender fees.
Before credits & paid funds$222,585The complete starting cash picture.
Estimated remaining funds due at closing
$222,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,062.26
Your down payment$208,062.26
Closing costs + prepaids$14,522.61
Total buyer cash needed$222,584.88
Remaining funds due$222,584.88
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,335.00
Prepaid interest, first (26 days)$749.92
Fees + prepaids$14,522.61
Your down payment is the seller’s equity. You take over the $325,938 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $222,584.88 is due at closing. Uses and sources reconcile at $548,522.61 each. Not a Closing Disclosure.