Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$188,601Cash toward the purchase price.
Closing costs + prepaids$13,284Not just lender fees.
Before credits & paid funds$201,886The complete starting cash picture.
Estimated remaining funds due at closing
$201,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,601.21
Your down payment$188,601.21
Closing costs + prepaids$13,284.49
Total buyer cash needed$201,885.70
Remaining funds due$201,885.70
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,701.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$56.50
Prepaid interest, first (27 days)$768.00
Fees + prepaids$13,284.49
Your down payment is the seller’s equity. You take over the $340,399 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $201,885.70 is due at closing. Uses and sources reconcile at $542,284.49 each. Not a Closing Disclosure.