Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$205,556Cash toward the purchase price.
Closing costs + prepaids$14,337Not just lender fees.
Before credits & paid funds$219,893The complete starting cash picture.
Estimated remaining funds due at closing
$219,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,556.10
Your down payment$205,556.10
Closing costs + prepaids$14,336.65
Total buyer cash needed$219,892.75
Remaining funds due$219,892.75
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%)$1,547.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$328.50
Initial HOA (3 months)$1,065.00
Prepaid interest, first (31 days)$777.93
Fees + prepaids$14,336.65
Your down payment is the seller’s equity. You take over the $309,444 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $219,892.75 is due at closing. Uses and sources reconcile at $529,336.65 each. Not a Closing Disclosure.