Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$211,213Cash toward the purchase price.
Closing costs + prepaids$15,827Not just lender fees.
Before credits & paid funds$227,041The complete starting cash picture.
Estimated remaining funds due at closing
$227,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,213.37
Your down payment$211,213.37
Closing costs + prepaids$15,827.38
Total buyer cash needed$227,040.75
Remaining funds due$227,040.75
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,493.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,175.00
Initial HOA (3 months)$819.99
Prepaid interest, first (26 days)$770.46
Fees + prepaids$15,827.38
Your down payment is the seller’s equity. You take over the $298,787 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $227,040.75 is due at closing. Uses and sources reconcile at $525,827.38 each. Not a Closing Disclosure.