Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$185,549Cash toward the purchase price.
Closing costs + prepaids$15,092Not just lender fees.
Before credits & paid funds$200,640The complete starting cash picture.
Estimated remaining funds due at closing
$200,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,548.74
Your down payment$185,548.74
Closing costs + prepaids$15,091.63
Total buyer cash needed$200,640.36
Remaining funds due$200,640.36
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,324.75
Initial HOA (3 months)$483.00
Prepaid interest, first (28 days)$795.12
Fees + prepaids$15,091.63
Your down payment is the seller’s equity. You take over the $344,351 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $200,640.36 is due at closing. Uses and sources reconcile at $544,991.63 each. Not a Closing Disclosure.