Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$209,361Cash toward the purchase price.
Closing costs + prepaids$15,040Not just lender fees.
Before credits & paid funds$224,401The complete starting cash picture.
Estimated remaining funds due at closing
$224,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,361.31
Your down payment$209,361.31
Closing costs + prepaids$15,039.58
Total buyer cash needed$224,400.89
Remaining funds due$224,400.89
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%)$5,277.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,319.50
Initial HOA (3 months)$681.00
Prepaid interest, first (28 days)$701.06
Fees + prepaids$15,039.58
Your down payment is the seller’s equity. You take over the $318,427 balance, so the rest of the $527,788 price is paid at closing. A second mortgage can cover part of it. $224,400.89 is due at closing. Uses and sources reconcile at $542,827.58 each. Not a Closing Disclosure.