Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$204,058Cash toward the purchase price.
Closing costs + prepaids$14,394Not just lender fees.
Before credits & paid funds$218,452The complete starting cash picture.
Estimated remaining funds due at closing
$218,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,057.75
Your down payment$204,057.75
Closing costs + prepaids$14,394.37
Total buyer cash needed$218,452.11
Remaining funds due$218,452.11
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%)$1,654.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$477.75
Prepaid interest, first (25 days)$1,443.91
Fees + prepaids$14,394.37
Your down payment is the seller’s equity. You take over the $330,942 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $218,452.11 is due at closing. Uses and sources reconcile at $549,394.37 each. Not a Closing Disclosure.