Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,827Cash toward the purchase price.
Closing costs + prepaids$13,439Not just lender fees.
Before credits & paid funds$198,266The complete starting cash picture.
Estimated remaining funds due at closing
$198,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,826.77
Your down payment$184,826.77
Closing costs + prepaids$13,438.93
Total buyer cash needed$198,265.70
Remaining funds due$198,265.70
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,675.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$514.25
Prepaid interest, first (23 days)$580.81
Fees + prepaids$13,438.93
Your down payment is the seller’s equity. You take over the $335,173 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $198,265.70 is due at closing. Uses and sources reconcile at $533,438.93 each. Not a Closing Disclosure.