Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$193,143Cash toward the purchase price.
Closing costs + prepaids$14,488Not just lender fees.
Before credits & paid funds$207,631The complete starting cash picture.
Estimated remaining funds due at closing
$207,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,142.89
Your down payment$193,142.89
Closing costs + prepaids$14,487.63
Total buyer cash needed$207,630.52
Remaining funds due$207,630.52
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%)$5,324.49
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,696.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$249.00
Prepaid interest, first (29 days)$1,749.61
Fees + prepaids$14,487.63
Your down payment is the seller’s equity. You take over the $339,306 balance, so the rest of the $532,449 price is paid at closing. A second mortgage can cover part of it. $207,630.52 is due at closing. Uses and sources reconcile at $546,936.63 each. Not a Closing Disclosure.