Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$202,012Cash toward the purchase price.
Closing costs + prepaids$13,326Not just lender fees.
Before credits & paid funds$215,338The complete starting cash picture.
Estimated remaining funds due at closing
$215,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,011.90
Your down payment$202,011.90
Closing costs + prepaids$13,326.18
Total buyer cash needed$215,338.08
Remaining funds due$215,338.08
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%)$5,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,554.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$388.00
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$660.23
Fees + prepaids$13,326.18
Your down payment is the seller’s equity. You take over the $310,988 balance, so the rest of the $513,000 price is paid at closing. A second mortgage can cover part of it. $215,338.08 is due at closing. Uses and sources reconcile at $526,326.18 each. Not a Closing Disclosure.