Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$199,725Cash toward the purchase price.
Closing costs + prepaids$13,692Not just lender fees.
Before credits & paid funds$213,417The complete starting cash picture.
Estimated remaining funds due at closing
$213,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,724.69
Your down payment$199,724.69
Closing costs + prepaids$13,691.99
Total buyer cash needed$213,416.68
Remaining funds due$213,416.68
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,596.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$638.25
Initial HOA (3 months)$62.49
Prepaid interest, first (27 days)$736.87
Fees + prepaids$13,691.99
Your down payment is the seller’s equity. You take over the $319,275 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $213,416.68 is due at closing. Uses and sources reconcile at $532,691.99 each. Not a Closing Disclosure.