Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$212,826Cash toward the purchase price.
Closing costs + prepaids$13,856Not just lender fees.
Before credits & paid funds$226,682The complete starting cash picture.
Estimated remaining funds due at closing
$226,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,825.60
Your down payment$212,825.60
Closing costs + prepaids$13,855.97
Total buyer cash needed$226,681.57
Remaining funds due$226,681.57
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%)$5,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$628.75
Initial HOA (3 months)$711.00
Prepaid interest, first (10 days)$252.35
Fees + prepaids$13,855.97
Your down payment is the seller’s equity. You take over the $311,174 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $226,681.57 is due at closing. Uses and sources reconcile at $537,855.97 each. Not a Closing Disclosure.