Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$210,314Cash toward the purchase price.
Closing costs + prepaids$14,789Not just lender fees.
Before credits & paid funds$225,104The complete starting cash picture.
Estimated remaining funds due at closing
$225,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,314.19
Your down payment$210,314.19
Closing costs + prepaids$14,789.33
Total buyer cash needed$225,103.52
Remaining funds due$225,103.52
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,673.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,112.25
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$860.65
Fees + prepaids$14,789.33
Your down payment is the seller’s equity. You take over the $334,686 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $225,103.52 is due at closing. Uses and sources reconcile at $559,789.33 each. Not a Closing Disclosure.