Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$187,036Cash toward the purchase price.
Closing costs + prepaids$14,209Not just lender fees.
Before credits & paid funds$201,245The complete starting cash picture.
Estimated remaining funds due at closing
$201,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,036.12
Your down payment$187,036.12
Closing costs + prepaids$14,209.08
Total buyer cash needed$201,245.21
Remaining funds due$201,245.21
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%)$5,374.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,752.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$902.25
Initial HOA (3 months)$63.99
Prepaid interest, first (24 days)$647.54
Fees + prepaids$14,209.08
Your down payment is the seller’s equity. You take over the $350,463 balance, so the rest of the $537,499 price is paid at closing. A second mortgage can cover part of it. $201,245.21 is due at closing. Uses and sources reconcile at $551,708.08 each. Not a Closing Disclosure.