Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$193,719Cash toward the purchase price.
Closing costs + prepaids$14,214Not just lender fees.
Before credits & paid funds$207,933The complete starting cash picture.
Estimated remaining funds due at closing
$207,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,719.40
Your down payment$193,719.40
Closing costs + prepaids$14,213.97
Total buyer cash needed$207,933.37
Remaining funds due$207,933.37
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,631.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$923.50
Initial HOA (3 months)$336.99
Prepaid interest, first (27 days)$654.08
Fees + prepaids$14,213.97
Your down payment is the seller’s equity. You take over the $326,281 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $207,933.37 is due at closing. Uses and sources reconcile at $534,213.97 each. Not a Closing Disclosure.