Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$210,152Cash toward the purchase price.
Closing costs + prepaids$12,572Not just lender fees.
Before credits & paid funds$222,724The complete starting cash picture.
Estimated remaining funds due at closing
$222,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,151.87
Your down payment$210,151.87
Closing costs + prepaids$12,572.05
Total buyer cash needed$222,723.92
Remaining funds due$222,723.92
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,523.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.25
Prepaid interest, first (1 days)$30.06
Fees + prepaids$12,572.05
Your down payment is the seller’s equity. You take over the $304,748 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $222,723.92 is due at closing. Uses and sources reconcile at $527,472.05 each. Not a Closing Disclosure.