Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$211,658Cash toward the purchase price.
Closing costs + prepaids$13,297Not just lender fees.
Before credits & paid funds$224,955The complete starting cash picture.
Estimated remaining funds due at closing
$224,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,657.52
Your down payment$211,657.52
Closing costs + prepaids$13,297.33
Total buyer cash needed$224,954.85
Remaining funds due$224,954.85
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%)$1,516.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Initial HOA (3 months)$282.00
Prepaid interest, first (10 days)$262.62
Fees + prepaids$13,297.33
Your down payment is the seller’s equity. You take over the $303,342 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $224,954.85 is due at closing. Uses and sources reconcile at $528,297.33 each. Not a Closing Disclosure.