Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$230,517Cash toward the purchase price.
Closing costs + prepaids$13,621Not just lender fees.
Before credits & paid funds$244,138The complete starting cash picture.
Estimated remaining funds due at closing
$244,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,516.66
Your down payment$230,516.66
Closing costs + prepaids$13,620.90
Total buyer cash needed$244,137.56
Remaining funds due$244,137.56
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,522.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$671.25
Initial HOA (3 months)$77.01
Prepaid interest, first (22 days)$532.22
Fees + prepaids$13,620.90
Your down payment is the seller’s equity. You take over the $304,483 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $244,137.56 is due at closing. Uses and sources reconcile at $548,620.90 each. Not a Closing Disclosure.