Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$206,080Cash toward the purchase price.
Closing costs + prepaids$13,626Not just lender fees.
Before credits & paid funds$219,706The complete starting cash picture.
Estimated remaining funds due at closing
$219,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,080.32
Your down payment$206,080.32
Closing costs + prepaids$13,625.71
Total buyer cash needed$219,706.03
Remaining funds due$219,706.03
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,544.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.25
Prepaid interest, first (25 days)$704.36
Fees + prepaids$13,625.71
Your down payment is the seller’s equity. You take over the $308,820 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $219,706.03 is due at closing. Uses and sources reconcile at $528,525.71 each. Not a Closing Disclosure.