Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$213,370Cash toward the purchase price.
Closing costs + prepaids$12,570Not just lender fees.
Before credits & paid funds$225,941The complete starting cash picture.
Estimated remaining funds due at closing
$225,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,370.47
Your down payment$213,370.47
Closing costs + prepaids$12,570.07
Total buyer cash needed$225,940.54
Remaining funds due$225,940.54
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%)$1,508.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$415.25
Prepaid interest, first (1 days)$28.68
Fees + prepaids$12,570.07
Your down payment is the seller’s equity. You take over the $301,630 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $225,940.54 is due at closing. Uses and sources reconcile at $527,570.07 each. Not a Closing Disclosure.