Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$217,406Cash toward the purchase price.
Closing costs + prepaids$16,053Not just lender fees.
Before credits & paid funds$233,459The complete starting cash picture.
Estimated remaining funds due at closing
$233,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,405.91
Your down payment$217,405.91
Closing costs + prepaids$16,052.68
Total buyer cash needed$233,458.59
Remaining funds due$233,458.59
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%)$5,311.75
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,269.00
Initial HOA (3 months)$1,583.01
Prepaid interest, first (28 days)$852.08
Fees + prepaids$16,052.68
Your down payment is the seller’s equity. You take over the $313,769 balance, so the rest of the $531,175 price is paid at closing. A second mortgage can cover part of it. $233,458.59 is due at closing. Uses and sources reconcile at $547,227.68 each. Not a Closing Disclosure.