Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,871Cash toward the purchase price.
Closing costs + prepaids$14,341Not just lender fees.
Before credits & paid funds$217,212The complete starting cash picture.
Estimated remaining funds due at closing
$217,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,871.48
Your down payment$202,871.48
Closing costs + prepaids$14,340.68
Total buyer cash needed$217,212.15
Remaining funds due$217,212.15
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,655.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,169.00
Initial HOA (3 months)$117.99
Prepaid interest, first (24 days)$590.04
Fees + prepaids$14,340.68
Your down payment is the seller’s equity. You take over the $331,129 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $217,212.15 is due at closing. Uses and sources reconcile at $548,340.68 each. Not a Closing Disclosure.