Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$212,112Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$225,748The complete starting cash picture.
Estimated remaining funds due at closing
$225,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,112.34
Your down payment$212,112.34
Closing costs + prepaids$13,635.73
Total buyer cash needed$225,748.07
Remaining funds due$225,748.07
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%)$1,559.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.00
Initial HOA (3 months)$711.00
Prepaid interest, first (1 days)$25.29
Fees + prepaids$13,635.73
Your down payment is the seller’s equity. You take over the $311,888 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $225,748.07 is due at closing. Uses and sources reconcile at $537,635.73 each. Not a Closing Disclosure.