Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$185,414Cash toward the purchase price.
Closing costs + prepaids$14,192Not just lender fees.
Before credits & paid funds$199,606The complete starting cash picture.
Estimated remaining funds due at closing
$199,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,414.30
Your down payment$185,414.30
Closing costs + prepaids$14,191.58
Total buyer cash needed$199,605.88
Remaining funds due$199,605.88
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,622.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.00
Prepaid interest, first (24 days)$725.65
Fees + prepaids$14,191.58
Your down payment is the seller’s equity. You take over the $324,586 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $199,605.88 is due at closing. Uses and sources reconcile at $524,191.58 each. Not a Closing Disclosure.