Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,784Cash toward the purchase price.
Closing costs + prepaids$14,285Not just lender fees.
Before credits & paid funds$204,069The complete starting cash picture.
Estimated remaining funds due at closing
$204,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,784.17
Your down payment$189,784.17
Closing costs + prepaids$14,284.84
Total buyer cash needed$204,069.01
Remaining funds due$204,069.01
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%)$1,726.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.75
Prepaid interest, first (27 days)$881.01
Fees + prepaids$14,284.84
Your down payment is the seller’s equity. You take over the $345,216 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $204,069.01 is due at closing. Uses and sources reconcile at $549,284.84 each. Not a Closing Disclosure.