Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$216,163Cash toward the purchase price.
Closing costs + prepaids$14,147Not just lender fees.
Before credits & paid funds$230,310The complete starting cash picture.
Estimated remaining funds due at closing
$230,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,162.91
Your down payment$216,162.91
Closing costs + prepaids$14,147.39
Total buyer cash needed$230,310.30
Remaining funds due$230,310.30
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,494.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,074.75
Initial HOA (3 months)$275.01
Prepaid interest, first (28 days)$685.44
Fees + prepaids$14,147.39
Your down payment is the seller’s equity. You take over the $298,837 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $230,310.30 is due at closing. Uses and sources reconcile at $529,147.39 each. Not a Closing Disclosure.