Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$210,294Cash toward the purchase price.
Closing costs + prepaids$13,380Not just lender fees.
Before credits & paid funds$223,674The complete starting cash picture.
Estimated remaining funds due at closing
$223,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,293.78
Your down payment$210,293.78
Closing costs + prepaids$13,379.81
Total buyer cash needed$223,673.59
Remaining funds due$223,673.59
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,648.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$300.25
Prepaid interest, first (23 days)$563.03
Fees + prepaids$13,379.81
Your down payment is the seller’s equity. You take over the $329,706 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $223,673.59 is due at closing. Uses and sources reconcile at $553,379.81 each. Not a Closing Disclosure.