Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$223,912Cash toward the purchase price.
Closing costs + prepaids$14,071Not just lender fees.
Before credits & paid funds$237,982The complete starting cash picture.
Estimated remaining funds due at closing
$237,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,911.73
Your down payment$223,911.73
Closing costs + prepaids$14,070.59
Total buyer cash needed$237,982.32
Remaining funds due$237,982.32
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$844.00
Prepaid interest, first (22 days)$853.15
Fees + prepaids$14,070.59
Your down payment is the seller’s equity. You take over the $311,088 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $237,982.32 is due at closing. Uses and sources reconcile at $549,070.59 each. Not a Closing Disclosure.