Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$227,820Cash toward the purchase price.
Closing costs + prepaids$13,208Not just lender fees.
Before credits & paid funds$241,027The complete starting cash picture.
Estimated remaining funds due at closing
$241,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,819.67
Your down payment$227,819.67
Closing costs + prepaids$13,207.78
Total buyer cash needed$241,027.45
Remaining funds due$241,027.45
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,535.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$203.50
Initial HOA (3 months)$60.00
Prepaid interest, first (23 days)$590.38
Fees + prepaids$13,207.78
Your down payment is the seller’s equity. You take over the $307,180 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $241,027.45 is due at closing. Uses and sources reconcile at $548,207.78 each. Not a Closing Disclosure.