Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$207,378Cash toward the purchase price.
Closing costs + prepaids$15,272Not just lender fees.
Before credits & paid funds$222,649The complete starting cash picture.
Estimated remaining funds due at closing
$222,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,377.79
Your down payment$207,377.79
Closing costs + prepaids$15,271.59
Total buyer cash needed$222,649.38
Remaining funds due$222,649.38
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%)$5,127.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,282.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (24 days)$817.23
Fees + prepaids$15,271.59
Your down payment is the seller’s equity. You take over the $305,372 balance, so the rest of the $512,750 price is paid at closing. A second mortgage can cover part of it. $222,649.38 is due at closing. Uses and sources reconcile at $528,021.59 each. Not a Closing Disclosure.