Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$227,379Cash toward the purchase price.
Closing costs + prepaids$13,917Not just lender fees.
Before credits & paid funds$241,296The complete starting cash picture.
Estimated remaining funds due at closing
$241,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,378.78
Your down payment$227,378.78
Closing costs + prepaids$13,917.06
Total buyer cash needed$241,295.84
Remaining funds due$241,295.84
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%)$1,438.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$600.00
Prepaid interest, first (28 days)$672.95
Fees + prepaids$13,917.06
Your down payment is the seller’s equity. You take over the $287,621 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $241,295.84 is due at closing. Uses and sources reconcile at $528,917.06 each. Not a Closing Disclosure.