Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$192,225Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$205,221The complete starting cash picture.
Estimated remaining funds due at closing
$205,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,224.54
Your down payment$192,224.54
Closing costs + prepaids$12,996.95
Total buyer cash needed$205,221.49
Remaining funds due$205,221.49
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,683.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$526.75
Prepaid interest, first (1 days)$28.33
Fees + prepaids$12,996.95
Your down payment is the seller’s equity. You take over the $336,775 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $205,221.49 is due at closing. Uses and sources reconcile at $541,996.95 each. Not a Closing Disclosure.