Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$211,362Cash toward the purchase price.
Closing costs + prepaids$16,379Not just lender fees.
Before credits & paid funds$227,741The complete starting cash picture.
Estimated remaining funds due at closing
$227,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,362.07
Your down payment$211,362.07
Closing costs + prepaids$16,379.26
Total buyer cash needed$227,741.33
Remaining funds due$227,741.33
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,588.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,322.50
Initial HOA (3 months)$1,809.00
Prepaid interest, first (28 days)$901.57
Fees + prepaids$16,379.26
Your down payment is the seller’s equity. You take over the $317,638 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $227,741.33 is due at closing. Uses and sources reconcile at $545,379.26 each. Not a Closing Disclosure.