Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$194,438Cash toward the purchase price.
Closing costs + prepaids$14,360Not just lender fees.
Before credits & paid funds$208,797The complete starting cash picture.
Estimated remaining funds due at closing
$208,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,437.87
Your down payment$194,437.87
Closing costs + prepaids$14,359.52
Total buyer cash needed$208,797.39
Remaining funds due$208,797.39
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%)$1,677.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,071.50
Prepaid interest, first (27 days)$843.71
Fees + prepaids$14,359.52
Your down payment is the seller’s equity. You take over the $335,462 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $208,797.39 is due at closing. Uses and sources reconcile at $544,259.52 each. Not a Closing Disclosure.