Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$207,585Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$222,205The complete starting cash picture.
Estimated remaining funds due at closing
$222,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,585.20
Your down payment$207,585.20
Closing costs + prepaids$14,619.36
Total buyer cash needed$222,204.56
Remaining funds due$222,204.56
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%)$5,155.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,539.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,346.25
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$660.54
Fees + prepaids$14,619.36
Your down payment is the seller’s equity. You take over the $307,915 balance, so the rest of the $515,500 price is paid at closing. A second mortgage can cover part of it. $222,204.56 is due at closing. Uses and sources reconcile at $530,119.36 each. Not a Closing Disclosure.