Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$185,753Cash toward the purchase price.
Closing costs + prepaids$14,168Not just lender fees.
Before credits & paid funds$199,921The complete starting cash picture.
Estimated remaining funds due at closing
$199,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,753.16
Your down payment$185,753.16
Closing costs + prepaids$14,168.09
Total buyer cash needed$199,921.26
Remaining funds due$199,921.26
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$415.25
Initial HOA (3 months)$378.00
Prepaid interest, first (30 days)$885.61
Fees + prepaids$14,168.09
Your down payment is the seller’s equity. You take over the $344,247 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $199,921.26 is due at closing. Uses and sources reconcile at $544,168.09 each. Not a Closing Disclosure.