Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$206,941Cash toward the purchase price.
Closing costs + prepaids$16,104Not just lender fees.
Before credits & paid funds$223,046The complete starting cash picture.
Estimated remaining funds due at closing
$223,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,941.36
Your down payment$206,941.36
Closing costs + prepaids$16,104.15
Total buyer cash needed$223,045.51
Remaining funds due$223,045.51
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,565.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.00
Initial HOA (3 months)$933.00
Prepaid interest, first (28 days)$1,637.85
Fees + prepaids$16,104.15
Your down payment is the seller’s equity. You take over the $313,059 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $223,045.51 is due at closing. Uses and sources reconcile at $536,104.15 each. Not a Closing Disclosure.