Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$195,629Cash toward the purchase price.
Closing costs + prepaids$14,270Not just lender fees.
Before credits & paid funds$209,900The complete starting cash picture.
Estimated remaining funds due at closing
$209,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,629.17
Your down payment$195,629.17
Closing costs + prepaids$14,270.40
Total buyer cash needed$209,899.57
Remaining funds due$209,899.57
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%)$5,389.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,716.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$789.50
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$577.54
Fees + prepaids$14,270.40
Your down payment is the seller’s equity. You take over the $343,271 balance, so the rest of the $538,900 price is paid at closing. A second mortgage can cover part of it. $209,899.57 is due at closing. Uses and sources reconcile at $553,170.40 each. Not a Closing Disclosure.