Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$195,148Cash toward the purchase price.
Closing costs + prepaids$13,617Not just lender fees.
Before credits & paid funds$208,765The complete starting cash picture.
Estimated remaining funds due at closing
$208,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,148.46
Your down payment$195,148.46
Closing costs + prepaids$13,616.96
Total buyer cash needed$208,765.42
Remaining funds due$208,765.42
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,599.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$662.00
Initial HOA (3 months)$132.00
Prepaid interest, first (24 days)$605.70
Fees + prepaids$13,616.96
Your down payment is the seller’s equity. You take over the $319,852 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $208,765.42 is due at closing. Uses and sources reconcile at $528,616.96 each. Not a Closing Disclosure.